Seeking Passive Minority Investor – SBA-Backed Acquisition (5% Equity)

I'm under LOI on the acquisition of a profitable, recurring-revenue marketing agency, local digital and print market, and am looking to bring in a passive minority investor for a small equity position. The Business Established local/regional marketing agency Strong recurring revenue (mix of 6–12 month contracts) Low client concentration Fully remote, documented SOPs Owner currently works ~20 hours/week Stable team already in place Financial Snapshot Purchase price: ~$600k (~3.5x SDE) SBA 7(a)–financed acquisition Significant seller carry (seller highly aligned) Clean cash flow coverage post-debt service Investment Opportunity ~$30k investment for ~5% equity Passive, non-operating role No capital calls Investor capital sits behind senior SBA debt but alongside meaningful seller risk Buyer (me) is personally guaranteeing senior and seller debt Why This Is Compelling You're investing into a cash-flowing business, not a startup Senior debt + seller note absorb most downside Your equity participates fully in upside growth and exit Clear path to liquidity via refinance or sale in 3–5 years Conservative base case; upside driven by operational improvements and expansion Target Return Profile Base case: steady distributions as cash flow allows Upside case: meaningful multiple on invested capital at exit Downside: business-level loss only; no personal guarantees required from investor Happy to share CIM and walk through the structure with interested parties.