Lender for high concentration acquisition target

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by a searcher from Massachusetts Institute of Technology - MIT Sloan School of Management
in Boston, MA, USA

3mos ago

Lender for high concentration acquisition target

Would anybody know a good SBA lender, or non-SBA lender as an alternative, that has high level of flexibility when it comes to a target with a high level of customer concentration, but where there is a strong business case to support that ?

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reply by a lender 3mos ago
from Indian Institute of Technology, Bombay in San Francisco, CA, USA

High concentration isn't automatically a deal-killer. The question lenders are really asking is two things: is the revenue contractually protected, and is the dependency bilateral? A long-term agreement with a reliable anchor customer (government, publicly traded, Fortune 500) makes for a stronger case than at-will revenue from a client who could walk tomorrow. Happy to dig in further.

reply by a searcher 2mos ago
from Massachusetts Institute of Technology in Boston, MA, USA

Currently PA, but to relocated to MA. Note (for all) this would NOT qualify for an asset backed loan, the business is "asset-light" even though in manufacturing.