Your CPA firm does $500k. You buy one doing $1.25M. Zero cash down. Instant revenue boost. Most people think that’s impossible. They just need to learn about what the SBA calls an expansion loan. You don’t need a marketing plan to get 1 more bottom of the barrel client. You need a track record. If you already own a profitable firm, the SBA will back you 100%. The rules are simple: 1. You already own a firm. 2. The one you’re buying matches your NAICS code. 3. Same ownership percentage before and after. Check those boxes and the SBA doesn’t require a down payment. One of my recent clients did a deal that looked like this: Purchase price: $1.25M Revenue: $1.15M Net cash flow: $510K 50% SBA financing 50% seller financing No down payment. Firm owners taking advantage of this product are scaling fast while everyone else debates risk from the sidelines.