Any luck with low liquidity but excellent credit and work experience?

searcher profile

March 05, 2025

by a searcher from The University of Iowa - Tippie College of Business in Boston, MA, USA

To add more context. Low liquidity due to large down payment on a house plus two kids in daycare. Excellent credit score, MBA, 20+ years working in Marketing.
Looking to see how people have approached this if in similar situations.

0
9
112
Replies
9
commentor profile
Reply by an intermediary
from University of Massachusetts at Amherst in Boston, MA, USA
I've worked with a few clients who have gotten a lot of traction with creative financing to avoid large down payments. But if you're going this route, stay away from broker listed deals. The seller will need a sizeable down payment for broker commissions and closing costs. Where I've seen it work best is someone bringing industry experience to the table in either operations, sales or marketing. In exchange for their expertise and help, they earn sweat equity by hitting certain goals.
ex: up to 45% equity in a solar company to come and build, train, and lead the sales team. He set up benchmarks of sales goals to equate to earning more equity. No money down, just time and effort.
ex: 20% equity in a healthcare practice to build out a scalable marketing system. Goals also aligned with equity.
ex: 30% equity in a company to take over admin and operations responsibility, so the owner could stay out in the field and not deal with managing the business.
Just go after a field you're familiar with and promote yourself as an asset to take over responsibilities that owner's hate doing or need.
commentor profile
Reply by a lender
from University of Southern California in Los Angeles, CA, USA
If you are trying to fund this deal via the sba you can rely on a seller note on full or partial standby for it to count towards your equity, For direct industry experience targets you can potentially do a deal with 2.5% down, 10% seller note and 87,5% sba financing. Another option would be to find outside investors for the deal. I’d love to help you find the right SBA lender for this deal. We work with all the major SBA lenders. The bank pay us after your loan closes, so this is a 100% free service for you. You can reach me here or directly at redacted You can also click here to schedule a meeting with me: https://cal.com/ishan-jetley-3d73m8/30min. Look forward to chatting!
commentor profile
+7 more replies.
Join the discussion