Creative Financing Ideas

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June 14, 2025

by a searcher from University of Louisiana at Lafayette in Vancouver, WA, USA

I found a target company with EBITDA of $2m with a 4.25 multiple. Due to special circumstances the Sellers are willing to finance 45% of the deal. For senior financing SBA is out because of the standby rules. For the lenders out there: I am trying to put together a deal that looks like this: 45% senior financing 45% seller financing 10% Equity/Cash Is this even a reasonable option without SBA? I wasn’t expecting to find a deal this big. Any thoughts welcome. Thank you all!
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Reply by a lender
in Ponte Vedra Beach, FL 32082, USA
^redacted‌ this should be feasible with SBA and minimal limitations on the seller note structure other than subordination since the seller note is not being used towards the 10% minimum equity. Happy to have a call and discuss in more detail, please feel comfortable scheduling directly via my Calendly link below. https://calendly.com/bturner-thebancorp/45min
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Reply by a searcher
from University of Connecticut in Greenwich, CT, USA
I’d be happy to discuss some ideas for this.
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