Non-SBA Financing Buyer Equity Requirements - Creative Options

searcher profile

February 26, 2026

by a searcher from Columbia University in New York, NY, USA

When pursuing a non-SBA route and mostly private lending, how have searchers and buyers been able to reduce the typical % new equity requirement? What creative structure elements have you used and by how much you were able to reduce your equity contribution (final %)?
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commentor profile
Reply by a professional
from Yeshiva University in New York, NY, USA
I represent many institutional lenders as well as Borrowers on the debt piece of their acquisitions. I have seen people write the full check themselves or write nothing, using things like sale-leasebacks, third-party investors, etc to get their equity check down to zero
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