This post is for anyone using investor money for their down payment. The SBA just released a new set of rules. They kick in on October 1, 2026. Here are the biggest changes for investor-funded deals: -Your investors can no longer cover your full down payment. -They can only cover 5% of the deal. You must put in the other 5% yourself. -Investors get no distributions on the money they put toward the down payment. They only earn distributions on any extra money they put on top. -QoEs are mandatory for deals above $3M -The blanket 25-year amortization for real estate deals where it comprises of 51% of the deal, is no longer allowed. If investors were going to fund 100% of your down payment for a business acquisition, or if you are impacted by any of the other changes, we can move fast and still save your deal. A handful of our best lenders have told us they are committed to closing these deals under the current rules, and they are moving fast. August 28th will be the final deadline. Once that window closes, you will need to restructure your entire deal. To move fast, we need a signed LOI, 3 years of business taxes, the latest P&L and balance sheet, your personal three years of tax returns, credit score, and relevant SBA forms (PFS 413) If your deal has investor money in it, don't wait. Email me your deal at redacted or grab 30 minutes with me here: redacted. I'll tell you quickly if we can get you in under the current rules. We work with all the major SBA lenders and the bank pays us after your loan closes, so this is a 100% free service for you. Look forward to chatting!