Comparing shopping for your SBA loan direct to banks or with Viso
March 09, 2026
by a lender in Yorba Linda, CA, USA
I'm just back from an ETA conference last week at BYU. I had a good conversation with a smart entrepreneur who acquired his business a couple of years ago.
He asked me to sum up what are the real, no BS benefits of working with us versus shopping for the loan directly with banks the traditional way.
Here was my answer:
1. Given these facts:
a. When you get a signed LOI you have 90 days to close and 6 mos. of work to do
b. AND it is next to impossible to ever do enough diligence on a business
c. AND shopping amongst 3-4 banks for term sheets takes way more time than you think it will;
Then, the most important benefit is that we take scores of hours of time off of a buyer's shoulders by consolidating the forms, the data room document sharing and the targeted lender outreach and give you MORE TIME FOR DEAL DILLIGENCE (a lot more time). This lowers your risk and the bank's risk.
2. We will still be more likely to get you BETTER SERVICE (2nd set of eyes and expertise communicating and overseeing the entire process) and BETTER RATES AND TERMS (we have the negotiating leverage that comes with doing $200 million of these loans annually).
3. This is all at NO COST TO YOU (banks pay our fee at closing).
Sign up for one of our Tuesday Zoom sessions to learn more: https://visocap.net/zoom-webinar-signup/
from Massachusetts Institute of Technology in Portland, OR, USA