Receive SBA acquisition deals
that arrive organized for review.
Emporio screens buyer and deal basics before anything reaches your desk — so your time goes to deals with a realistic path to close.
Acquisition deal flow is noisy.
Thin equity, mismatched experience, messy seller books, structures that won't pencil. Emporio filters and packages before referral, so you see fewer dead deals and cleaner files.
What we screen before sending
- Buyer equity adequacy
- Relevant experience
- SDE support & add-back quality
- Seller-note structure & standby need
- Collateral gaps
- Tax-return alignment
- Basic eligibility fit & use of funds
Data we gather
Target price and structure, SBA Form 413, tax returns and bank statements where available, buyer summary, deal-level details.
Emporio does not underwrite or pre-decision for the lender.
Deal types
Full acquisitions, partner buyouts, acquisition + real estate, deals requiring seller financing, and multi-source / structured equity.
Referral process
Screen → package → route to the lender(s) whose box fits → hand off cleanly. You make all credit decisions.
No. Emporio Partners does not underwrite loans, issue credit decisions, or provide pre-approvals or commitments to lend. We screen buyers and deals for basic SBA eligibility and financing fit, organize the documentation package, and route qualified opportunities to lenders. All credit decisions are made independently by the lender after their own full review.
Before routing a package, we review equity adequacy and source, credit tier and any disclosed issues, management and industry experience, SDE quality and add-back substantiation, seller-note structure and standby compliance, collateral gaps, tax-return and P&L alignment, and basic SBA eligibility fit. We flag known concerns in the package so the lender has a clear picture from the start.
We collect target business and deal structure details, a completed personal financial statement (SBA Form 413), three years of personal tax returns and business tax returns where available, recent bank statements for equity verification, a buyer background summary, and any seller note or LOI documentation. We organize these into a structured package before routing to lenders.
We map deal characteristics — size, industry, SDE level, equity injection, seller note structure, buyer experience, and credit profile — to each lender's stated credit box and program focus. We do not blast files to every lender. We route to lenders who have indicated an appetite for the specific deal type, reducing back-and-forth and improving response time for both the lender and the buyer.
Where applicable, yes — compensation is disclosed as required, including on SBA Form 159 (Compensation Agreement) where the SBA's rules apply. Emporio does not charge buyers for the financeability check or the Preliminary Buyer Readiness Letter. Lender-paid compensation, where it exists, is disclosed to all parties at the appropriate time and does not affect the independence of the lender's credit decision.