1. With SBA 7A loans, has anyone used forgivable or full standby sellers notes to bridge valuation gaps or minimize the equity portion of a deal? Any lessons learned would be awesome. Playing with the levers for one of my first deals and curious if it ever actually works.

    2) Anyone ever have a broker require you to sign up for/pay for their "premium service" to get access to additional information on one of their clients? It didn't seem like they were acting in the best interest of their client so I passed, but curious if pay to play is a industry standard I was unaware of.

    Thanks for any feedback.