Fast isn’t always fundable. Timing matters more than you think.

We often speak with buyers who want to move fast—but if the deal isn’t prepared for lender review, speed becomes friction. The truth is, SBA loans reward buyers who are ready, not just eager. Here’s what being “ready” means: – You’ve reviewed the deal structure against SOP###-###-#### – You’ve gathered seller financials (tax returns, P&Ls, balance sheet) – You’ve aligned on seller note terms and equity breakdown – Your own personal financials are prepped for underwriting When all of that is in place, the SBA process can move quickly—and we’ve seen it happen. At Pioneer Capital Advisory, we help buyers get lender-ready before the deal is at risk. If you’re evaluating a business and want to run a quick structure check, I’m happy to talk: https://calendly.com/alan-pioneercap.