The most overlooked document in SBA acquisitions: The transitional letter

A resume tells me what you’ve done. A business plan tells me what you’re buying and how you’ll grow it. But without a transitional letter, credit is left to connect the dots themselves. As an SBA BDO, I advise all my clients paint the picture for credit. A strong transitional letter bridges your background to the business you’re acquiring. It explains why you make sense for this deal so the underwriter, and credit team don’t have to piece it together. Done well, it can: -Add context beyond bullet points -Align your skills with the company’s day‑to‑day operating needs -Reduces questions and friction during underwriting -Builds confidence in you as the future operator Think of it as the narrative glue. Not a resume recap. Not a pitch deck. A clear, concise story that connects you to the opportunity. Skip it, and you create unnecessary friction. Do it well, and you strengthen the entire loan package. If you’re pursuing an SBA acquisition and want a transitional letter template, DM me I’m happy to share.