BIZ BUYERS ALLY.

Integrity led guidance to fund and own a Small business


Unlock Your Letter of Intent (LOI) with Precision, Not Chance.

Your SBA capital, sourced and secured.

Want to Buy a Business? You need funding.

SBA loans are your best shot. But here's the thing: not all lenders are the same. Their rules, likes, and know-how on SBA can flip anytime. Newbies learning the ropes, experts bowing out — it's a mix that keeps changing.

SBA lending? It's old school. The pros are leaving, and the landscape's shifting. Some lenders shine and then fade, caught in loan troubles and internal issues.

Here's Your Game Changer.

You need a guide who's seen it all—someone to shield you and pick the right bank for your buy. SBA winds change; have someone who knows how to sail them.

Get a top SBA business acquisition loan consultant. They're your key to finding the perfect lender and sealing the deal on your dream business. Smooth sailing to ownership starts here.

DEB CURTIS: YOUR ‘BIZ BUYERS ALLY'

| 70+ Deals Closed |

| Over $75M in Dreams Funded |

Myths busted for business buyers

  • Reality: The SBA doesn't lend directly but provides guarantees to approved bank-preferred lenders, making it less risky for them to lend to businesses.

  • Reality: Some brokers push buyers towards specific SBA lenders due to monetary incentives gained, not necessarily because it's the best fit for the buyer. This alignment of financial interests between brokers and lenders can place buyers in a tricky spot, emphasizing the importance of finding an advocate completely separate from the seller side team who prioritizes your interests above kickbacks.

  • Reality: This is a misconception. The focus is primarily on the business's historical cash flow, as demonstrated by IRS-filed tax returns. The reported cash flow must meet the lender debt service coverage requirement. For the SBA, cash flow is king, not personal collateral.

  • Reality: Often, these listings are not as SBA-ready as claimed. Some are marketed with prequalification term sheets from lenders aiming to attract buyers, without ensuring the business truly meets SBA criteria. This can mislead buyers, complicating the acquisition process.

  • Reality: This is a misconception. Drawing from over a decade of direct SBA lending experience, I navigate the process with expertise, avoiding common pitfalls and adapting to ever-changing bank credit policies and industry biases. I stay informed on the dynamics of SBA loan shops that rise and fall to expedite your buying journey effectively.

3 EASY STEPS TO BUY A BUSINESS WITH SBA

Step 1: Submit your documents and receive a verified 'proof of funds letter' within 24-48 hours.

Then, the search for your perfect business begins.

Step 2: Finalize and submit the lender package to the SBA underwriter after prequalifying your chosen business.

Expect the final SBA credit approval within 7-10 business days.

Step 3: A closing conference call is set with all involved to review the SBA loan closing checklist.

Once everything is reviewed and approved, the closing is set within 5 business days.    

PROOF OF FUNDS LETTER? SPEED PASS TO THE FRONT OF THE BUYERS LINE!

Deb Curtis in a hold that thought gesture for business buyers to slow down

slow down and think…

Amidst the "Silver Tsunami" of retiring boomers, a floodgate opens in the business acquisition world.

This era brings with it a surge of new business buying advisors and membership communities, eager to profit on aspiring business buyers, offering fast tracks to business ownership.

Yet, as seasoned SBA experts retire, leaving rookie SBA newcomers in their wake, the call for an experieinced, reputable SBA business acquisition loan consultant echoes louder.

Aligning with a seasoned Business Buyers' Ally, proven across over 70+ change of ownership funded transitions, is not just wise—it's vital.

This alliance partnership shields you as the business buyer from harmful lending tactics and questionable actions by the seller's representatives.

I am your Business Buyers Ally.

“Deb stands out for her dedication to honesty. She always prioritizes her clients' needs. Unlike many in the field, her approach is transparent and genuine, ensuring no one is misled. She skillfully prepares her clients' business acquisition packages for optimal financing options and connects business buyers with the best SBA lenders for their unique situations.

For anyone considering buying a business with an SBA loan, Deb is an essential ally.”

Richard Parker, CEO Diomo Corporation