Did you know that SBA 7(a) loans can be used to finance 100% of an expansion acquisition—even with no buyer cash injection?

Under the updated SBA SOP###-###-#### guidelines, if you’re an existing business owner looking to acquire another business as part of an expansion, the SBA now allows 100% financing—so long as you meet specific conditions. At Pioneer Capital Advisory LLC, we’ve helped multiple clients structure successful expansion acquisitions using this exact strategy—and just last week, we helped a client close on a deal that involved no buyer equity thanks to their strong operating history and thoughtful strategic rationale. To qualify for a 100% SBA-financed expansion acquisition: ✔️The acquiring business must have a strong financial history, including consistent cash flow and good standing on all existing debts. ✔️The transaction must result in an expanded business footprint or enhanced capacity, not just ownership change. ✔️The buyer must have a demonstrated operational track record, with industry experience and post-acquisition management continuity. ✔️There must be no significant ownership changes in the acquiring entity. The ownership structure should remain materially the same post-closing. If you’re an experienced operator with a profitable business looking to grow via acquisition, you may be able to finance the entire transaction with SBA debt. We handle the full process—from lender presentations and underwriting support to deal positioning—to help you close faster and more confidently. Email: redacted https://calendly.com/rafael-pioneercap *By Matthias Smith, our CEO @ Pioneer Capital Advisory LLC