Stop losing deals to buyers
who were never financeable.
Send us the buyer before they waste your seller's time. We check whether their financing path is real — without touching your commission or your seller relationship.
A buyer signs the NDA, tours the business, submits an LOI — then can't get within range on financing.
Weeks gone, seller annoyed, deal cold. The problem was never your listing. It was a buyer who was never financeable.
- 1Send the buyer or the deal basics. A name and a few numbers, or forward your buyer to the check.
- 2We review financeability and lender concerns. Cash, credit, experience, target price, cash flow, and structure.
- 3You get a practical read. Proceed, proceed-with-conditions, or not-yet — plus what would have to be true for the deal to finance.
- Buyer equity vs. target price
- Credit context
- Relevant experience
- SDE / cash-flow support
- Seller-note need
- Add-back quality
- Collateral gaps
- Tax-return alignment
The Buyer Readiness Letter
A one-page summary stating that, based on preliminary information, the buyer may be a viable SBA acquisition candidate in a reviewed range — subject to lender underwriting, credit approval, eligibility, and documentation.
It is not a loan approval. It's a cleaner signal than proof of funds alone, and the buyer can attach it to offers.
This is not a loan approval, pre-approval, commitment to lend, or guarantee of financing.
Emporio does not take any part of your commission and does not interfere with your seller engagement. Where there's a fit, we may refer qualified buyers to brokers. Any compensation Emporio receives in a financed transaction is typically lender-paid and disclosed where required (for example, SBA Form 159). We don't make referral-fee promises that depend on a specific outcome.
No. Emporio works the buyer's financing path only — we do not contact sellers, renegotiate deal terms, or interject in the broker-seller relationship. Our role is to assess whether the buyer can finance the deal, organize the package, and route it to lenders. The broker and seller relationship stays entirely with you.
No. Emporio does not share, split, or receive any portion of a broker's commission. Where Emporio is compensated in a financed deal, that compensation is typically lender-paid and disclosed separately as required — it has no connection to or reduction of the broker's commission.
Yes — that is the point. A financeability check tells you which buyers have the equity, credit, experience, and deal structure to realistically close an SBA-financed acquisition. Screening before CIM release means you spend time only on buyers who can actually close, reducing wasted diligence and protecting your seller's confidential information.
Sometimes, if the issue is structural — equity shortfall, a seller note that needs to be repositioned, documentation that can be organized, or a lender mismatch. We review the deal, identify what is fixable, and tell you honestly if it is not. Last-minute financing rescues require the remaining time under LOI to be realistic, and the buyer's fundamentals to be sound.
Where there is a fit between a buyer's target criteria and a broker's active listings, yes — we make introductions. Emporio works with buyers across a range of deal sizes and industries. If a buyer in our pipeline is looking for a deal type that matches what a broker is representing, we facilitate that connection.
Any Emporio compensation in a financed deal is typically lender-paid and disclosed to all parties where required — for example, on SBA Form 159 (Compensation Agreement). We do not make outcome-contingent promises to brokers or pay referral fees that could create conflicts of interest. Compensation arrangements are disclosed transparently at the appropriate point in the transaction.