SBA Lender for Unique Structure

September 08, 2025

by a lender in Las Vegas, NV, USA

I’m looking for an SBA lender that would be ok lending on a business acquisition where the downpayment is coming from a 15% equity partner and 10% seller note on standby, effectively 0 coming from the borrowers end. I know this is an issue with some lenders but wanted to see if there are any suitable groups out there. They’re reviewing multiple deals and the loan will be in the 1-4 million range with strong cash flow to support the debt coverage. If there are groups out there that are ok with this type of structure, let me know!

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Reply by a lender
from University of Southern California in Los Angeles, CA, USA

We are a SBA loan broker and we can help with this. From our lender network, only one lender is willing to do zero percent equity from the actual guarantor. We just closed on a roofing deal that was large where entire 5% of the equity being put into the deal was sourced by investors. Borrowers will still have to show post-closed liquidity that could be 1-2% of the project size. We work with all the major SBA lenders. The bank pay us after your loan closes, so this is a 100% free service for you. You can reach me here or directly at redacted You can also click here to schedule a meeting with me: https://calendly.com/tom-gosbaloans/30min. Look forward to chatting!

Reply by a searcher
from Lousiana State University in Baton Rouge, LA, USA

Hey Anon - Don't feel like SBA is your only option. I may have found a unicorn that happens to office 5 minutes from my house in Baton Rouge, but I recommend talking to lending officers at a few local banks to see who they send deals they can't underwrite to. They intro'd me to a local team that have deep lending relationships, in and out of SBA world. So far, the terms they have floated are BETTER than SBA.

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