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For Advisors & Brokers
Serious Buyers. Clean Closes.
We run a respectful, document-ready process and close with SBA 7(a) senior debt plus equity. Clear criteria. Fewer surprises.
01Capital structure
Capital & Certainty
Typical structure uses SBA 7(a) senior debt, equity, and sometimes a seller note. We present lender-ready packages and move efficiently through credit and closing.
02Working together
How We Work With Advisors
01
Respect NDAs and process; fast yes/no feedback
We follow your process and keep everything under an NDA. You'll get a quick read on fit so you can move deals forward or reallocate time.
02
Agreement to Purchase Assets (better than IOIs/LOIs)
We skip soft IOIs and vague LOIs in favor of a concrete Agreement to Purchase Assets with key terms and exclusivity. It sets clear expectations earlier, reduces re-trades, and accelerates lender and seller alignment.
03
Weekly touchpoints during diligence
One streamlined diligence list, one point of contact, and weekly status calls. You always know what's done, what's open, and what's coming next.
04
Clear closing checklist aligned to lender requirements
We run a lender-ready checklist from day one, including third-party reports, consents, and working-capital targets. This minimizes last-minute surprises and keeps the credit committee path clean.
05
Principal buyers — not co-brokers
We transact as principals and do not shop deals. You get a serious counterparty focused on closing, not a middleman creating drag.
03Process
From fit check to integration
Six stages with typical and range timelines. Financing and diligence run in parallel.
Fit Check
Quick screen on size ($1M–$5M), industry, location, and management in place. Confidential and fast.
- Typical
- 2–3 business days
- Range
- 1–5 days
- Drivers
- Quick yes/no once we see size, industry, location, and management-in-place.
Agreement to Purchase Assets — Key Terms & Exclusivity
We sign clear, buyer–seller terms (price, structure, working capital, transition) in the Agreement to Purchase Assets and enter an exclusivity period with a defined closing date.
- Typical
- 1–2 weeks
- Range
- 3–14 days
- Drivers
- How aligned we are on price, structure, and working capital; attorney turnaround on redlines.
Due Diligence
Straightforward financial, commercial, legal, and operational review. We verify the numbers, normalize earnings, and confirm the handoff plan — no jargon. Seller provides requested docs on a simple checklist.
- Typical
- 3–6 weeks
- Range
- 2–8 weeks
- Drivers
- Data readiness (financials, add-backs, contracts), responsiveness, any third-party reviews (e.g., a simple financial review), landlord and consent items.
Financing Package
In parallel, we complete the SBA 7(a) loan package including lender underwriting, any seller notes, third-party reports, and draft loan docs aligning to lender requirements with the agreed terms.
- Typical
- 4–7 weeks from lender kickoff
- Range
- 3–9+ weeks
- Drivers
- SBA lender queue, appraisal/environmental if real estate is involved, collateral filings, insurance, tax/eligibility checks, seller note terms. We run this track concurrently to compress time.
Finalize Schedules & Close
We finish schedules and consents, fund the deal, and transfer ownership.
- Typical
- 1–2 weeks after credit approval & diligence sign-off
- Range
- 5–15 business days
- Drivers
- Final schedules, consents, closing checklist, funds flow, and escrow coordination.
90-Day Integration Plan
Starts day one post-close and runs for ~90 days. Focus: day-one communication, KPI baseline, cash-management rhythm, and quick wins in finance, sales/marketing, and operations. We keep management and augment where needed.
- Typical
- 90 days post-close
- Range
- —
- Drivers
- Operational complexity, team readiness, immediate quick-win opportunities.
Timelines vary by deal and lender; we drive a focused, document-ready process.
04Deal packet
What we’d like to see
The faster we can read a deal, the faster you get a yes or a clean no.
CIM or Deal Brief
One PDF that hits the thesis: what the company does, why it wins, size, margin profile, growth drivers, risks, and the ask. Include a simple data room index.
Three-year Financials & YTD
Monthly P&L, balance sheet, and cash flow (Excel preferred). We use this to validate trends, seasonality, gross margin quality, and leverage capacity.
Three-year Tax Returns
Complete federal returns with all schedules. We reconcile to the financials and confirm normalization items and ownership details.
Customer Concentration
Revenue by customer for the past 3 years and TTM, with Top 10, tenure, contract status, and churn. Helps size concentration and durability.
Backlog
Current backlog by customer or project with expected conversion timing and gross margin. Note cancellation history and win rates.
Org Chart
Current structure with names, roles, tenure, and open positions. Flag any key person risk or planned retirements.
Key Contracts & Leases
Material customer and supplier agreements, equipment leases, real estate leases, and licenses. Note assignability, renewal dates, and unusual terms.
Capex Profile
Maintenance vs. growth capex for the past 3 years and forecast. Include major assets nearing end of life and anticipated replacements.
Working Capital Norms
AR, AP, and inventory turns by period, plus seasonality. Include any customer prepayments, progress billing, or retention.
Add-backs List
Clear schedule of one-time or discretionary items with amounts, dates, and brief rationale. Link to invoices or GL where available.
Transition Plan
Seller's role pre- and post-close, handoff timeline, and any agreed advisory period. Note management depth and immediate hiring needs.
05From the last close
What people who’ve worked with us say
The sell-side broker and SBA lender on our acquisition of Cutting Edge Closets & Design.
A serious buyer: quick fit read, concise term sheet, organized diligence, and consistent follow-through to closing. Easy to recommend to owners who care about legacy and certainty.
Well-prepared sponsor with realistic assumptions, a strong borrower file, and proactive coordination on third-party reports. Eligibility was clear, the process was efficient, and the post-close plan was solid.
06FAQ