SBA Lending Primer for Searchers

professional profile

February 10, 2026

by a professional from The University of Texas at Austin - Red McCombs School of Business in Ann Arbor, MI, USA

I've had a few searchers ask me lately how to prep before talking to an SBA lender. I put together a guide covering 7(a) structuring basics, capital stacks, DSCR, seller notes, and the recent SOP###-###-#### changes (including the new citizenship requirements effective March 1). Direct link: provafi.com/sba-guide-sf Happy to answer any questions.
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Reply by a lender
from Bloomsburg University of Pennsylvania in Ambler, PA 19002, USA
Matt- I think this is great piece of education/roadmap for a buyer getting into the search world. One thing I would add on pre-LOI is really vetting the day to day seller(s) responsibility/role and what is being replaced (along with other just deal specific/ops risk). Many buyers drill on the numbers which is understandable but focus away on translatable skills and truly what they are replacing and what overall impact to available cash flow is left standing when factoring that in
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