SBA post closing liquidity

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by a searcher
in Ocala, FL, USA

2yrs ago

SBA post closing liquidity

Those of you who have completed SBA loan acquisitions.. What have you been required to have as post closing liquidity, aside from working capital?

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reply by a searcher 2yrs ago
from Seattle Pacific University in Shoreline, WA, USA

Thanks for the tag. I'm in the very early stages of exploring purchasing a small but stable, 200k - 500k ebitda, platform company to accelerate another startup.

I plan to use an SBA loan and self-fund the remainder.

reply by a lender 2yrs ago
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA

This can vary greatly depending on the lender. In general most lenders run a cash flow projection to determine how much working capital you need post closing. Usually if you will have enough working capital with the way the deal is structured the lenders are not as worried about you have a lot of personal liquidity post closing. But this can vary greatly depending on the lender. I usually recommend trying to have 3 to 6 months of personal debt service in liquidity post closing if possible in addition to the working capital you need to operate the business. I hope this helps. If you would like to discuss further you can reach me directly at redacted Good luck with your search.