Non-SBA qualified Transactions

searcher profile

July 30, 2025

by a searcher from Villanova University in Philadelphia, PA, USA

I'm looking at a deal that is not eligible for SBA financing as the business line is coupled with other business lines within the organization. The seller is looking to separate it out but may take time. Given this will be an asset sale, I assume there is opportunity to move forward to split the assets from the existing business. This situation posses a challenge as I am looking to finance 90% of the transaction. Does anyone have any recommendations of alternative financing vehicles that could be used to complete this transaction? One thought is using more conventional financing at a higher rate for 6 months and then refinance the business with the SBA at a lower rate. Otherwise perhaps there are other hard money options which again would be more costly. Would love this group's feedback on any creative options as well as contacts to any lenders who could help facilitate the transaction. Thanks!
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commentor profile
Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I would be happy to connect and see if we can assist you with this. You can do partial business acquisitions via SBA 7A loans where you only purchase a part of an existing business. But you need some solid supporting documentation to make that happen. If you are looking for 90% financing via conventional or non-bank financing, that really does not exist. You can reach me here or directly at redacted
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Reply by a professional
from Emory University in Washington, D.C., USA
Talk to Tim Moorstein at FVC bank in DC area. He’s amazing at creative financing. redacted
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