The SBA Acquisition Capital Stack After October 2026
SOP 50 10 8.1 can reduce an acquisition loan. Three illustrative scenarios show where cash, seller notes and investor equity fit.
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Showing 10 posts with tag: Risk management
What SBA Acquisition Loan Approvals Tell a Buyer
A full pass over SBA loan-level data: how big acquisition lending got, who lends, which loans fail, and what to watch around the October 2026 rule change.
Will the Business Still Work Once the Seller Leaves?
Business acquisition due diligence tests whether earnings, customers, cash and key people survive the sale. Here is what to check before you own it.
Financing Covers the Price. Can You Carry the Cash Burden?
Prepare for business acquisition financing by clarifying personal exposure, operating cash needs, and seller priorities. Build your lender and seller questions.
When the Biggest Customer Leaves: Due Diligence Questions
Customer concentration due diligence: why the biggest customers buy, who keeps them, and who wins new work once the seller leaves.
Don't Let Your Diligence Findings Die in a Folder
Build an acquisition transition plan that connects diligence findings to operating questions, responsible roles, and records. Use the blank worksheet to start.
Your Quality of Earnings Report May Skip the Expense Side
Quality of earnings for small business buyers covers only what the engagement tests. Some reviews skip outgoing cash, and buyers grade their own deals kindly.
Will the Revenue Still Be There When the Seller Leaves?
Revenue quality due diligence checks receipts, customer habits, seller dependence and project timing, because reported sales may not survive the sale.
Seller Add-Backs: Savings That May Disappear
Review seller add-backs for missing support, changing costs, and owner responsibilities. Mark uncertain savings for an accounting review before buying.
A Profitable Business Can Run Short of Cash After Closing
Working capital due diligence checks the resources behind earnings. Review receivables, inventory, seasonality, and cash timing before taking over a business.