Parri Passu Lending (SBA + Conventional)

Parri Passu Lending (SBA + Conventional) Lately, we’ve been working with a number of prospective clients here at Pioneer Capital Advisory on parri passu lending, which combines SBA 7(a) financing with conventional lending to go beyond the SBA’s $5M cap. This structure is ideal for deals that require more than $5M in total financing. The banks that operate in this space typically look for strong buyer profiles — ideally with six figures in post-closing liquidity (cash and taxable investments). At Pioneer, we’ve built strong relationships with lenders who are active in this market, and they usually want to see a 1.60+ debt service coverage ratio, including any seller financing. We’ve supported several clients through successful parri passu deals, including one now nearing closing that involves $5M SBA 7(a) + $3M conventional. If you’re a financially solid buyer with relevant experience and are interested in exploring this structure, feel free to reach out — I’d be happy to chat: redacted https://calendly.com/rafael-pioneercap