Other People's Money
Back to library
Business

SBA 7(a) 90% Acquisition Financing

Buy a $1–5M profitable business with 10% down.

Overview

SBA 7(a) allows up to 90% financing on business acquisitions. Combine with a 5% seller-carry (standby for 2 years) and you can close with just 5% cash. Buy an established business with $200k–$1M SDE, replace owner as operator, pay debt from cash flow. Skills and hustle matter more than net worth.

Best fit
First-time business buyersOperators leaving W-2Search-fund style acquirers
Estimated impact
Control $1–5M asset with $50–250k cash in

Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.

More business strategies

See all Business strategies
OPM