How buyers usually pay: SBA 7(a), seller notes and investor equity.
Up to 10-year terms for business purchases, often about 10% down. Since Oct 1, 2026, SBA ownership changes need an independent valuation, and deals of $3M+ need a QoE report.
The seller carries a note for part of the price. Lenders often accept it as part of the equity injection.
Syndicate or community round, through regulated partners only. Pending
SBA lender partners · Pending Get pre-qualified (demo)