SBA Loan to Buy a Business
Requirements, down payment, process, financing stack, and the questions buyers should answer before an offer.
Use the related calculatorSBA acquisition guides
Understand the financing before the deal gets serious.
The first guide wave is being prepared from official SBA sources and Emporio's buyer-readiness workflow. Use the live calculators now, then return for the reviewed guides.
SBA Seller Note Rules
How seller financing can affect structure, cash needs, standby treatment, and lender review.
Model seller-note impactSBA Equity Injection Requirements
What buyers should know about cash injection, sources of funds, and the difference between equity and cash to close.
Calculate cash neededWhat Add-Backs Will SBA Lenders Accept?
How to distinguish defensible normalization adjustments from optimistic seller claims.
Test debt coverageEditorial standard
Official sources, named review, useful examples.
Each full guide will cite current SBA materials, explain the calculation or rule in plain language, include worked examples, and identify who reviewed it and when.