Has anyone rolled financial and legal due diligence fees into an SBA loan?

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August 21, 2025

by a searcher from Carnegie Mellon University in Denver, CO, USA

I’m running into a lot of due diligence professionals who require upfront payment. While I understand why they ask for this, it creates a challenge since these costs can add up to $40k before an acquisition even closes. Has anyone found a way to structure an SBA loan so that due diligence expenses can be rolled in, rather than having to cover them entirely out of pocket upfront?
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Reply by a lender
from University of Arizona in Raleigh, NC, USA
We can include the cost of the QOE within the loan request but you will have to cover that cost upfront out of pocket once your loan closes we will reimburse you for the QOE at the closing from the loan proceeds, regarding legal cost it cannot be rolled into the loan, that is part of your cost for the acquisition.
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Reply by a lender
from University of Southern California in Los Angeles, CA, USA
Hi ^redacted‌ - Let's chat. You will have to pay for these services upfront, but you will be reimbursed by banks at close. We've had no issues financing lawyer fees, QOE fees, or even buy side intermediary fees. Different lenders have different policies but we can work with you to find the right lender for your deal. You can reach me here or directly at redacted You can also click here to schedule a meeting with me: https://calendly.com/tom-gosbaloans/30min. Look forward to chatting!
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