{"id":893,"date":"2025-07-24T07:54:18","date_gmt":"2025-07-24T07:54:18","guid":{"rendered":"https:\/\/azulbusinessadvisors.com\/?p=893"},"modified":"2025-10-08T23:52:05","modified_gmt":"2025-10-08T23:52:05","slug":"what-sba-lenders-look-for","status":"publish","type":"post","link":"https:\/\/amerivestgroup.com\/es\/what-sba-lenders-look-for\/","title":{"rendered":"What SBA Lenders Are Looking for in 2025"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"893\" class=\"elementor elementor-893\" wpc-filter-elementor-widget=\"1\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36ebcd9 e-con-full e-flex e-con e-parent\" data-id=\"36ebcd9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0520631 elementor-widget elementor-widget-heading\" data-id=\"0520631\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What SBA Lenders Are Looking for in 2025<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d7f900 elementor-widget elementor-widget-text-editor\" data-id=\"8d7f900\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5>A Practical Guide for Business Buyers and Sellers<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a20abb e-flex e-con-boxed e-con e-parent\" data-id=\"4a20abb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fb57be2 e-con-full e-flex e-con e-child\" data-id=\"fb57be2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4afdf elementor-widget elementor-widget-text-editor\" data-id=\"ce4afdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"157\" data-end=\"487\">Small Business Administration (SBA) loans remain one of the most common and effective ways to finance a business purchase in the U.S. In 2025, SBA 7(a) loans continue to offer attractive terms \u2014 low down payments, long amortizations, and competitive interest rates \u2014 especially compared to private loans or seller financing alone. But getting approved is not automatic.<br \/><br \/><\/p><p data-start=\"529\" data-end=\"699\">Whether you\u2019re <strong data-start=\"544\" data-end=\"585\">a buyer looking to acquire a business<\/strong> o el <strong data-start=\"589\" data-end=\"627\">a seller preparing to go to market<\/strong>, understanding what SBA lenders care about can make or break your deal.<br \/><br \/><\/p><p data-start=\"701\" data-end=\"738\">Here\u2019s what you need to know in 2025.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-371671b e-flex e-con-boxed e-con e-parent\" data-id=\"371671b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20dfd0f e-con-full e-flex e-con e-child\" data-id=\"20dfd0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a121cf elementor-widget elementor-widget-heading\" data-id=\"6a121cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why SBA Loans Matter<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b170d7f elementor-widget elementor-widget-text-editor\" data-id=\"b170d7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"776\" data-end=\"985\">Over 60% of main street business acquisitions under $5M are financed in part with SBA loans, according to industry data from the <strong data-start=\"905\" data-end=\"913\">IBBA<\/strong> y <strong data-start=\"918\" data-end=\"955\">Pepperdine Capital Markets Report<\/strong>. These loans allow buyers to:<\/p><ul data-start=\"987\" data-end=\"1195\"><li data-start=\"987\" data-end=\"1032\"><p data-start=\"989\" data-end=\"1032\">Leverage 75-90% of the total purchase price<\/p><\/li><li data-start=\"1033\" data-end=\"1076\"><p data-start=\"1035\" data-end=\"1076\">Preserve working capital post-acquisition<\/p><\/li><li data-start=\"1077\" data-end=\"1126\"><p data-start=\"1079\" data-end=\"1126\">Access longer amortization (typically 10 years)<\/p><\/li><li data-start=\"1127\" data-end=\"1195\"><p data-start=\"1129\" data-end=\"1195\">Potentially include working capital and equipment in the same loan<\/p><\/li><\/ul><p data-start=\"1197\" data-end=\"1312\">For sellers, SBA lending expands the pool of serious, qualified buyers \u2014 and can support a faster, cleaner closing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ec22d7 e-flex e-con-boxed e-con e-parent\" data-id=\"2ec22d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12f0609 elementor-widget elementor-widget-heading\" data-id=\"12f0609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What SBA Lenders Want to See in 2025\u200b<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1859164 e-con-full e-flex e-con e-child\" data-id=\"1859164\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1f1b002 e-con-full e-flex e-con e-child\" data-id=\"1f1b002\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-46f4728 e-con-full e-flex e-con e-child\" data-id=\"46f4728\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e2f9d77 e-con-full e-flex e-con e-child\" data-id=\"e2f9d77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-228edce elementor-widget elementor-widget-heading\" data-id=\"228edce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">For Buyers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eaad7c6 elementor-widget elementor-widget-heading\" data-id=\"eaad7c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">SBA lenders underwrite you, not just the business. <\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b97982e e-con-full e-flex e-con e-child\" data-id=\"b97982e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe0d302 elementor-widget elementor-widget-text-editor\" data-id=\"fe0d302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1364\" data-end=\"1453\">SBA lenders underwrite <strong data-start=\"1387\" data-end=\"1394\">you<\/strong>, not just the business. Here\u2019s what they focus on in 2025:<\/p><h6 data-start=\"1455\" data-end=\"1485\">1. Relevant Experience<\/h6><p>Buyers don\u2019t necessarily need direct industry experience, but lenders want confidence that you can operate the business. Transferable skills, a business management background, or a willingness to retain key staff all help.<\/p><blockquote><p>Tip: Prepare a short \u201cbuyer resume\u201d or personal bio summarizing your experience.<\/p><\/blockquote><h6 data-start=\"1796\" data-end=\"1836\">2. Good Credit and Clean History<\/h6><p data-start=\"1837\" data-end=\"1972\">Most lenders want to see a <strong data-start=\"1864\" data-end=\"1888\">FICO score above 680<\/strong> and a clean history of bankruptcies, foreclosures, or defaults on government loans.<\/p><h6 data-start=\"1974\" data-end=\"2024\">3. Liquidity for Down Payment and Reserves<\/h6><p data-start=\"2025\" data-end=\"2211\">Expect to contribute at least <strong data-start=\"2055\" data-end=\"2088\">10% of the total project cost<\/strong> (more for riskier deals). You\u2019ll also need post-closing liquidity to show you won\u2019t be cash-strapped once the deal closes.<\/p><h6 data-start=\"2213\" data-end=\"2247\">4. Personal Debt-to-Income<\/h6><p data-start=\"2248\" data-end=\"2417\">Your personal debt shouldn\u2019t be too high. Lenders want to see that your new business income will reasonably support any personal obligations (mortgage, car loans, etc.).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a063c76 e-con-full e-flex e-con e-child\" data-id=\"a063c76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b42c6ce e-con-full e-flex e-con e-child\" data-id=\"b42c6ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-34012a4 e-con-full e-flex e-con e-child\" data-id=\"34012a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a849f9 elementor-widget elementor-widget-heading\" data-id=\"4a849f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Para Vendedores<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0723eaf elementor-widget elementor-widget-heading\" data-id=\"0723eaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Even if a buyer is strong, a lender will still closely evaluate the business being acquired.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1deb7aa e-con-full e-flex e-con e-child\" data-id=\"1deb7aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca49cd elementor-widget elementor-widget-text-editor\" data-id=\"3ca49cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2480\" data-end=\"2572\">Even if a buyer is strong, a lender will still closely evaluate the business being acquired.<\/p><p data-start=\"2574\" data-end=\"2624\">Here\u2019s what makes a business SBA-lendable in 2025:<\/p><h6 data-start=\"2626\" data-end=\"2674\">1. Clean Financials (Tax Returns Matter)<\/h6><p data-start=\"2675\" data-end=\"2838\">SBA lenders <strong data-start=\"2687\" data-end=\"2717\">underwrite off tax returns<\/strong>, not just internal P&amp;Ls. \u201cAdd-backs\u201d (like owner salary or personal expenses) must be reasonable and clearly documented.<\/p><blockquote data-start=\"2840\" data-end=\"2947\"><p data-start=\"2842\" data-end=\"2947\"><em data-start=\"2842\" data-end=\"2947\">Tip: Three years of filed tax returns with consistent SDE (seller\u2019s discretionary earnings) are a must.<\/em><\/p><\/blockquote><h6 data-start=\"2949\" data-end=\"2978\">2. Adequate Cash Flow<\/h6><p data-start=\"2979\" data-end=\"3133\">Lenders typically require that the business generates <strong data-start=\"3033\" data-end=\"3073\">at least 1.25x debt service coverage<\/strong> (meaning the net earnings comfortably cover loan payments).<\/p><h6 data-start=\"3135\" data-end=\"3164\">3. Owner Independence<\/h6><p data-start=\"3165\" data-end=\"3331\">A business that relies entirely on the seller\u2019s relationships or daily involvement raises flags. Lenders prefer to see a competent team and systems that can transfer.<\/p><h6 data-start=\"3333\" data-end=\"3372\">4. Legal &amp; Compliance Readiness<\/h6><p data-start=\"3373\" data-end=\"3493\">Missing licenses, questionable contracts, or unresolved tax issues can delay or kill deals. Clean documentation matters.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14f3d35 e-flex e-con-boxed e-con e-parent\" data-id=\"14f3d35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00a6dfc elementor-widget elementor-widget-heading\" data-id=\"00a6dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What\u2019s New in 2025: Trends to Watch<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc96d95 elementor-widget elementor-widget-n-accordion\" data-id=\"bc96d95\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1970\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1970\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> 1. Underwriting Standards are Back to Basics <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 504c137 0 248-111 248-248S393 8 256 8 8 119 8 256s111 248 248 248zm0-448c110.5 0 200 89.5 200 200s-89.5 200-200 200S56 366.5 56 256 145.5 56 256 56zm20 328h-40c-6.6 0-12-5.4-12-12V256h-67c-10.7 0-16-12.9-8.5-20.5l99-99c4.7-4.7 12.3-4.7 17 0l99 99c7.6 7.6 2.2 20.5-8.5 20.5h-67v116c0 6.6-5.4 12-12 12z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1970\" class=\"elementor-element elementor-element-6aefd5a e-con-full e-flex e-con e-child\" data-id=\"6aefd5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1970\" class=\"elementor-element elementor-element-52bc390 e-flex e-con-boxed e-con e-child\" data-id=\"52bc390\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22d7423 elementor-widget elementor-widget-text-editor\" data-id=\"22d7423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3620\" data-end=\"3775\">The SBA has pulled back from the relaxed, lender-led \u201cDo What You Do\u201d model and reinstated firm, uniform underwriting criteria under SOP 50 10 8 (effective June 1, 2025). Lenders must now strictly follow SBA-specific requirements rather than set their own standards.<br \/><br \/><\/p><p style=\"padding-left: 40px;\" data-start=\"3584\" data-end=\"3619\"><strong>More Scrutiny on Add-Backs<\/strong><\/p><p style=\"padding-left: 40px;\" data-start=\"3620\" data-end=\"3775\">Post-pandemic, lenders are being more conservative on what counts as a valid add-back. One-time expenses must be truly non-recurring \u2014 and well-documented.<\/p><p style=\"padding-left: 40px;\" data-start=\"3777\" data-end=\"3823\"><strong>Less Tolerance for Aggressive Pricing<\/strong><\/p><p style=\"padding-left: 40px;\" data-start=\"3824\" data-end=\"3993\">Overpriced businesses are being flagged early. Lenders are comparing multiples to national databases (e.g., DealStats, BizMiner) and pushing back on inflated valuations.<\/p><p style=\"padding-left: 40px;\" data-start=\"3995\" data-end=\"4034\"><strong>Focus on Stability Over Growth<\/strong><\/p><p style=\"padding-left: 40px;\" data-start=\"4035\" data-end=\"4202\">While growth is great, lenders are prioritizing <strong data-start=\"4083\" data-end=\"4114\">stable, recurring cash flow<\/strong> \u2014 especially in service businesses and industries with seasonality or labor dependency.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1971\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1971\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> 2. Changes to Seller Financing <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 504c137 0 248-111 248-248S393 8 256 8 8 119 8 256s111 248 248 248zm0-448c110.5 0 200 89.5 200 200s-89.5 200-200 200S56 366.5 56 256 145.5 56 256 56zm20 328h-40c-6.6 0-12-5.4-12-12V256h-67c-10.7 0-16-12.9-8.5-20.5l99-99c4.7-4.7 12.3-4.7 17 0l99 99c7.6 7.6 2.2 20.5-8.5 20.5h-67v116c0 6.6-5.4 12-12 12z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1971\" class=\"elementor-element elementor-element-dee9c75 e-con-full e-flex e-con e-child\" data-id=\"dee9c75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1971\" class=\"elementor-element elementor-element-4880656 e-flex e-con-boxed e-con e-child\" data-id=\"4880656\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26aefb6 elementor-widget elementor-widget-text-editor\" data-id=\"26aefb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4035\" data-end=\"4202\">Under certain circumstances, seller notes (seller financing) are allowed to meet the required <strong data-start=\"346\" data-end=\"366\">equity injection<\/strong> (usually 10%), however it must now <strong>b<\/strong><strong style=\"font-style: inherit;\" data-start=\"395\" data-end=\"417\">e on full standby<\/strong><span style=\"font-style: inherit; font-weight: inherit;\"> for the <\/span><strong style=\"font-style: inherit;\" data-start=\"426\" data-end=\"457\">entire life of the SBA loan<\/strong><span style=\"font-style: inherit; font-weight: inherit;\"> (no payments of principal or interest allowed), and <strong>c<\/strong><\/span><strong style=\"font-style: inherit;\" data-start=\"514\" data-end=\"538\">an only make up 50%<\/strong><span style=\"font-style: inherit; font-weight: inherit;\"> of the total equity injection. If the seller note is not used towards the equity injection, the length of the standby can be much shorter.<\/span><\/p><p data-start=\"4035\" data-end=\"4202\"><span style=\"font-style: inherit; font-weight: inherit;\">\u00a0<\/span><\/p><p data-start=\"4035\" data-end=\"4202\">This rule makes it <strong data-start=\"609\" data-end=\"650\">harder for buyers to use seller notes<\/strong> to fund their required equity. Previously, seller notes could often help buyers bridge equity gaps with more flexible terms. Now, the seller must essentially wait until the SBA loan is fully paid off (typically 10 years) to get repaid\u2014reducing their incentive to offer financing unless they trust the buyer deeply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1972\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1972\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> 3. Stricter Citizenship &amp; Ownership Verification <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 504c137 0 248-111 248-248S393 8 256 8 8 119 8 256s111 248 248 248zm0-448c110.5 0 200 89.5 200 200s-89.5 200-200 200S56 366.5 56 256 145.5 56 256 56zm20 328h-40c-6.6 0-12-5.4-12-12V256h-67c-10.7 0-16-12.9-8.5-20.5l99-99c4.7-4.7 12.3-4.7 17 0l99 99c7.6 7.6 2.2 20.5-8.5 20.5h-67v116c0 6.6-5.4 12-12 12z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1972\" class=\"elementor-element elementor-element-bfffffa e-con-full e-flex e-con e-child\" data-id=\"bfffffa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1972\" class=\"elementor-element elementor-element-8c7c622 e-flex e-con-boxed e-con e-child\" data-id=\"8c7c622\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4fae3 elementor-widget elementor-widget-text-editor\" data-id=\"2d4fae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"1309\" data-end=\"1317\">100%<\/strong> of business owners must be U.S. citizens, nationals, or lawful permanent residents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4bb22d e-flex e-con-boxed e-con e-parent\" data-id=\"c4bb22d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54caeaa elementor-widget elementor-widget-heading\" data-id=\"54caeaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to Prepare \u2014 From Either Side of the Table<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db0e9d2 e-flex e-con-boxed e-con e-parent\" data-id=\"db0e9d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d6e365d e-con-full e-flex e-con e-child\" data-id=\"d6e365d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1753a52 elementor-widget elementor-widget-heading\" data-id=\"1753a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">For Buyers<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b27eedc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b27eedc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Get prequalified by an SBA lender early<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Build your personal financial statement and bio<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Have a plan for how you\u2019ll run the business<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f072aa e-con-full e-flex e-con e-child\" data-id=\"5f072aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68e258c elementor-widget elementor-widget-heading\" data-id=\"68e258c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Para Vendedores<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebf59ff elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ebf59ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Normalize and explain financials clearly<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fix legal or licensing gaps now<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understand how your price and cash flow align with SBA coverage ratios<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95693b9 e-flex e-con-boxed e-con e-parent\" data-id=\"95693b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6def362 e-con-full e-flex e-con e-child\" data-id=\"6def362\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-684eb9c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"684eb9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38ecbbf elementor-widget elementor-widget-heading\" data-id=\"38ecbbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Final Thoughts: SBA as a Tool, Not a Shortcut<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bafc27 elementor-widget elementor-widget-text-editor\" data-id=\"6bafc27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5325\" data-end=\"5439\">SBA financing can make deals possible that otherwise wouldn\u2019t be \u2014 but it\u2019s not a workaround for poor preparation.<\/p>\n<p data-start=\"5441\" data-end=\"5590\">When the business is solid, the buyer is qualified, and the documentation is in order, SBA loans remain a powerful vehicle for ownership transitions.<\/p><p data-start=\"5441\" data-end=\"5590\"><br><\/p>\n<p data-start=\"5592\" data-end=\"5736\">Whether you\u2019re planning to buy or preparing to sell, <strong data-start=\"5645\" data-end=\"5678\">we can help you get SBA-ready<\/strong> \u2014 with the right guidance and trusted lender connections.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49816a7 e-flex e-con-boxed e-con e-parent\" data-id=\"49816a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d80dee9 elementor-widget elementor-widget-heading\" data-id=\"2d80dee9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Need help navigating SBA lending?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fdb09cb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7fdb09cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5743\" data-end=\"5901\">Let\u2019s schedule a confidential call to discuss your goals and help you plan the next step \u2014 no pressure, just guidance.<\/p><p data-start=\"5903\" data-end=\"5931\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a475df7 e-con-full e-flex e-con e-child\" data-id=\"3a475df7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39b5945f elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"39b5945f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/amerivestgroup.com\/es\/buyers\/#buyer-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicitar una Llamada Estrat\u00e9gica<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Small Business Administration (SBA) loans remain one of the most common and effective ways to finance a business purchase in the U.S. In 2025<\/p>","protected":false},"author":1,"featured_media":950,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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