Resources
Guides, SBA policy updates, and tools for buyers using SBA financing to acquire a small business.
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Editor's picks
SOP 50 10 8.1 by the Numbers: What It Costs Buyers
We ran the new rules against 12,281 SBA acquisition loans. One in ten picks up a Quality of Earnings requirement. One in six loses seven years of amortization.
Should You Add a Line of Credit to Your SBA Deal?
One in five acquisition loans now includes a companion line of credit. Here's what it costs, who offers it, and why it matters.
SBA Interest Rates by Lender: What 20,000 Loans Reveal
FOIA loan data shows how lenders actually price - and why your quote depends on more than your credit score
Latest articles
Personal Guarantee Insurance: Should SBA Buyers Buy It?
Personal guarantee insurance is now available for SBA 7(a) loans. Two providers, real premium costs, the moral hazard question, and a framework comparing five risk management strategies - including two that cost nothing.
What Does a Business Broker Do? A Buyer's Guide
Business brokers represent sellers in small business transactions, earning 8-12% commission only when deals close. Learn how their economics shape your experience as a buyer and how to engage effectively.
Should You Add a Line of Credit to Your SBA Deal?
Most SBA acquisition buyers don't know they can add a revolving line of credit to their deal. Data from 38,972 loans shows what it costs, which lenders offer it, and how it affects outcomes.
Book Review: HBR Guide to Buying a Small Business
An honest review of Ruback and Yudkoff's HBR Guide to Buying a Small Business. Strong as a primer for the acquisition process, but written for traditional search funds - here's what SBA buyers should take from it and what they'll need elsewhere.
SBA Interest Rates by Lender: What 20,000 Loans Reveal
We analyzed 20,000+ SBA acquisition loans from 2018-2026. The spread across lenders is 2+ points. Here's what drives the difference and how to use it.
The SBA Lending Process: A Buyer's Guide
A stage-by-stage guide to the SBA 7(a) acquisition loan process. Realistic timelines, document requirements, and the questions to ask at each phase.
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Tools & calculators
View all →Recent SBA policy updates
See all updates →SOP 50 10 8.1 by the Numbers: What It Costs Buyers
We ran SOP 50 10 8.1 against 12,281 SBA acquisition loans to size what actually changes. Plus what SBA appears to be solving for, and what it means for buyers.
SBA Eases Prior Loss Rule for Non-Controlling Investors
SBA Policy Notice 5000-879464 creates a waiver for the prior loss rule when an applicant's owner held a small, non-controlling interest in a business that defaulted on an SBA loan.
SBA Doubles Combined 7(a) and 504 Loan Limit to $10 Million
The SBA doubled the combined 7(a) and 504 loan limit from $5M to $10M, effective July 4, 2026. Programs are now decoupled. What acquisition buyers need to know about deal structuring.
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Where are you in the journey?
New to SBA buying
Start with the buyer guide — how SBA financing, debt coverage ratios, and deal timelines work.
Start hereIn a live deal
Latest policy changes and deal-process guides while your letter of intent (LOI) is active.
Start herePicking providers
How to evaluate lenders, attorneys, due diligence firms, and advisors.
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