I'm interested in hearing from anyone who has recently acquired an HVAC, plumbing, or electrical contracting business without personally holding the required trade license, particularly under the newer SBA rules. If you've successfully closed a transaction, how did you structure the licensing arrangement (seller staying on, third-party qualifying agent, licensed employee, etc.), and were there challenges with SBA financing or personal guaranty requirements? Would love to hear from anyone who's navigated this firsthand. Thanks!