For brokers and M&A advisors
SBA Listing Financeability Review for Business Brokers
Emporio's listing financeability review helps a broker identify price, cash-flow, documentation, seller-note, working-capital, and lender-fit issues before investing weeks in the wrong financing path. It does not make the listing SBA approved and does not approve any buyer.
Transparent methodologyPolicy as of 2026-08-15Preliminary, not a loan approval
What to submit
What to submit
- Three years of business tax returns.
- Current YTD P&L and balance sheet.
- Debt schedule and lease or occupancy details.
- Add-back schedule and supporting records.
- CIM or business overview.
- Asking price, working-capital need, and proposed structure.
- Known customer concentration, ownership, or eligibility issues.
What the report includes
What the report includes
- Normalized historical cash-flow range.
- Indicative financeable price range and modeled DSCR.
- Buyer-equity and seller-debt assumptions.
- Working-capital and documentation gaps.
- Eligibility and lender-fit flags.
- A status of likely financeable, structure-dependent, documentation-dependent, or not currently financeable.
Important distinction
Important distinction
Business-level financeability is not buyer approval. A final structure still depends on the buyer, lender, valuation, eligibility, underwriting, collateral, and closing documentation.
Authored and reviewed by Emporio Partners
Policy basis: SBA SOP 50 10 version 8, effective 2025-06-01. Version 8.1 is published for 2026-10-01 and is not treated as current policy before that date.
Primary policy source
Educational planning guidance only. Emporio Partners is not a lender and does not issue approvals, pre-approvals, commitments, or guarantees. Lenders determine eligibility, eligible cash flow, structure, terms, and approval.
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