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Self-Funded Search + SBA 7(a) (Solo Acquisition)

Skip investors — search on your own dime, then buy a $1–5M SBA business with 10% down and keep 100% equity.

Overview

The self-funded search: 6–18 months finding a $1–5M profitable business, then buy using SBA 7(a) at 10% buyer equity, 90% financed to $5M (some 100% deals via seller-note + SBA stack). Keep 100% of equity vs 20–30% in traditional search fund. Downside: no search salary, need $100–250K liquid runway. Best on stable services businesses (HVAC, plumbing, landscaping, laundromats, insurance agencies) with recurring revenue.

Best fit
Individuals with 12–18 months runwaySolo acquirers avoiding investor dilutionSBA-qualified buyers
Estimated impact
100% equity in $1–5M business at 10% down

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