Study a real deal
One listed business a day, run through our standard SBA 7(a) structure: what we would pay, how we would fund it, and which lenders we would call.
See the latest dealSBA acquisition intelligence
Buy a million-dollar business with 10% down.
SBA 7(a) requires a minimum equity injection of 10% of the total project cost, and a seller note on full standby can cover up to half of it. On a $1M deal that is about $100k down, and sometimes half that in cash.
No broker math. Every number traced to its source.
Deal analyzerMid-market preset
Year-1 DSCR
1.42x
Sources and uses$2.40M
SBA 7(a) loanSeller note$360kCash equity$264k
Equity injection required
$264k
Annual debt service
$412k
Top lenders · median rate
GBank8.50%
Live Oak Banking Company9.00%
Huntington National Bank9.25%
Equity injection · $264k
PASS · meets SOP minimum
PASS · meets SOP minimum
From the federal loan file
And no, buying is not the risky path.
Only 1.70% of SBA loans used to buy an existing business fail. Startups fail at 3.65%.
Failure = the loan was charged off, meaning SBA wrote it off as a loss. FY2020-22 cohort, 137,671 loans, federal loan file.
What you get
Everything between the LOI and the closing table
Three things, done properly: the deal, the math, and the lender.
Run the numbers
Model SDE, seller note, equity injection, and DSCR under current SOP rules. No broker math, every assumption visible.
Open the analyzerPick the right lender
843 lenders funded acquisitions in the federal file. We profile the 249 most active in depth: loan counts, median sizes, and the rates they actually approve.
See the league tableThe league table
Who actually funds acquisitions
Top 7(a) change-of-ownership lenders, FY2025 to FY2026 Q3.
| # | Lender | Loans | $M approved | Median size | Median rate |
|---|---|---|---|---|---|
| 1 | Huntington National Bank | 1,476 | $1,182 | $349,500 | 9.25% |
| 2 | Live Oak Banking Company | 1,197 | $1,553 | $825,000 | 9.00% |
| 3 | First Internet Bank of Indiana | 395 | $551 | $939,000 | 10.00% |
| 4 | Byline Bank | 289 | $365 | $902,000 | 10.00% |
| 5 | Hanmi Bank | 215 | $182 | $657,000 | 9.00% |
| 6 | GBank | 174 | $521 | $2,840,000 | 8.50%lowest |
Source: SBA 7(a) FOIA file, change-of-ownership loans, as of June 30, 2026. Methodology
See all 249 profiled lendersKnow if the deal pencils before the lender does.
Model SDE, seller note, equity injection, and DSCR under current SOP rules. No broker math, every assumption visible.
40,555
acquisition loans since FY2020
$709,300
median loan, FY2025 to FY2026 Q3
9.25%
median initial rate
843
active acquisition lenders
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