Alternative to SBA Financing- Capital Access Flex Program

SBA financing can be an excellent solution in the right situation, but some acquisitions slow down due to long timelines, heavy documentation, or rigid structure requirements. For strong, cash flowing businesses and highly qualified acquisition entrepreneurs, Capital Access Flex offers a compelling alternative, SBA style leverage with greater flexibility and a more predictable path to closing. ━━━━━━━━━━━━━━━━━━━━ 🔷 Capital Access Flex Program SBA style leverage, built for speed and adaptability ━━━━━━━━━━━━━━━━━━━━ Program highlights No personal guarantees No collateral requirements Up to 60% leverage with a 20% minimum buyer equity injection Seller notes and equity rolls can count toward buyer equity Target closing timeline, 6 to 8 weeks Earn-outs allowed For businesses with ~$8MM+ revenue and ~$1MM+ EBITDA or SDE Direct, relevant operating experience required Minimum loan size, $2MM Pricing, SOFR + 3.5%, currently ~7.2% ━━━━━━━━━━━━━━━━━━━━ 🎯 Ideal Business + Buyer Profile ━━━━━━━━━━━━━━━━━━━━ 🏭 Target businesses • U.S. based • Stable historical revenue • Consistent margins and clean financials • Proven cash flow that comfortably supports debt service and growth • Business agnostic, traditional and online businesses 🧠 Target buyers • Direct operating experience in the same or closely related industry • Clear post acquisition plan for leadership, integration, and growth • Realistic view of leverage, working capital, and near term capital needs • Has equity in place (No "I'm raising" inquiries please) ━━━━━━━━━━━━━━━━━━━━ ⚡ A Flexible Capital Solution for Your Next Acquisition ━━━━━━━━━━━━━━━━━━━━ Capital Access Flex is a strong fit for buyers who want SBA style leverage, but prefer a structure that supports: ⏱️ Faster execution 🧾 Streamlined approvals 🔁 Flexible options around leverage, seller notes, equity rolls, and earn-outs 🤝 Relationship driven underwriting 📉 Competitive interest rates Backed by 500+ deals closed, a 98% loan approval rate, and $1Billion+ in loans funded, this program is built on proven structures designed to support efficient, successful acquisitions. ━━━━━━━━━━━━━━━━━━━━ Ready to Explore Your Financing Options? ━━━━━━━━━━━━━━━━━━━━ Visit ecommercelending.com or email me at redacted We look forward in helping you achieve acquisition success!