{
  "schemaVersion": 1,
  "asOf": "2026-08-15",
  "name": "Buyer Financeability Methodology for SBA Acquisitions",
  "description": "The buyer-level inputs Emporio reviews when estimating acquisition buying power and readiness before lender underwriting.",
  "directAnswer": "Buyer financeability is not the same as cash on hand. Emporio evaluates verified liquidity, expected cash to close, post-close reserves, credit context, outside obligations, management experience, ownership eligibility, and the target range the buyer intends to pursue.",
  "sections": [
    {
      "heading": "Buyer inputs",
      "bullets": [
        "Verified liquid funds and source-of-funds evidence.",
        "Expected equity injection, fees, deposits, and post-close liquidity.",
        "Credit range and explanations for material adverse history.",
        "Personal obligations, contingent liabilities, and net-worth context.",
        "Relevant operating, management, and industry experience.",
        "Direct and indirect ownership, guarantors, citizenship, and residency facts.",
        "Acquisition criteria, timing, and proposed involvement after closing."
      ]
    },
    {
      "heading": "How buying range is bounded",
      "paragraphs": [
        "Emporio first estimates the purchase-price range supported by available cash under stated injection and cash-to-close assumptions. It then compares that range with the amount a target business's eligible historical cash flow can support. The lower credible constraint controls the preliminary range."
      ]
    },
    {
      "heading": "What the method does not determine",
      "paragraphs": [
        "The method does not pull credit, verify immigration status, approve an owner, promise a lender match, or replace a complete personal financial statement and lender underwriting."
      ]
    }
  ],
  "policy": {
    "currentVersion": "8",
    "effectiveFrom": "2025-06-01",
    "source": "https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs",
    "futurePublishedVersion": "8.1",
    "futureEffectiveFrom": "2026-10-01"
  },
  "limitations": [
    "issue loan approvals, pre-approvals, commitments, or guarantees",
    "replace lender underwriting, SBA eligibility review, legal advice, tax advice, or accounting advice",
    "promise that a transaction will close or that a lender will offer specific terms"
  ],
  "canonicalUrl": "https://www.emporiopartners.com/methodology/buyer-financeability/",
  "continuationUrl": "/financeability-check/"
}