I've come across a business where the owner and one other employee essentially act as the Sales & Marketing team for a branded product, but do not do any manufacturing, shipping. etc. on their own. The suppliers ship directly to the customer. The owner manages the customer relationships and, when necessary, leads some product development work with their suppliers (or what could be viewed as the "Manufacturing division" of the company).

It's an interesting, profitable business with a long history, but I wonder what a SBA bank would think about it since it doesn't really have any assets. Do you have any helpful thoughts to share on the fundability of this type of business? Thanks!