Bank Tried To Kill The Deal

The bank tried killing Matt’s CPA firm acquisition at the 11th hour. All because of a mistimed HELOC. All that was left was one last move. Matt was already deep into the process. LOI signed. Momentum built. Then, at the very last second, the bank flagged how the down payment was sourced. Suddenly, a problem. At that point, most buyers panic. They try to force a workaround or let the deal quietly die. Matt didn’t do any of that. Instead of hiding behind emails, he went straight to the seller. In person. Not to renegotiate right away, but to have a real conversation. The seller told Matt she had already said no to the same structure from someone else. But when Matt made the ask, she said yes. Same deal. Different person. By the time that meeting happened, there was already trust. Matt had spent time in the office with the seller and the team. He showed up. He followed through. He built rapport long before he ever needed to make an ask. She agreed to 100% seller financing. No money down. I say this often: Learn to have a powerful conversation and the world is your oyster. This deal didn’t change because of math. It changed because of trust. Most people think deals are won inside spreadsheets. They aren’t. The spreadsheet gets you in the room. The conversation decides what you walk out with. Proof beats promises.