{
  "schemaVersion": 1,
  "asOf": "2026-08-15",
  "name": "SBA Acquisition Lender-Fit Methodology",
  "description": "How Emporio maps an organized buyer-and-deal package to participating lenders without presenting a match as approval.",
  "directAnswer": "Lender fit is the overlap between the buyer-and-deal facts and a participating lender's stated appetite. It is not a credit decision. Emporio narrows outreach using transaction size, industry, geography, management experience, collateral, structure, ownership, and documentation readiness.",
  "sections": [
    {
      "heading": "Matching dimensions",
      "bullets": [
        "Loan size and total project cost.",
        "Industry, franchise status, and concentration.",
        "Buyer management and operating experience.",
        "Geography, occupancy, real estate, and collateral profile.",
        "Seller debt, standby, equity, and other capital sources.",
        "Cash-flow quality, DSCR, add-backs, and documentation completeness.",
        "Ownership and guarantor eligibility facts disclosed by the applicant."
      ]
    },
    {
      "heading": "How routing works",
      "paragraphs": [
        "Emporio organizes one source package, records known caveats, and routes only to a limited set of participating lenders whose stated appetite appears relevant. Lenders independently review, request information, apply policy, and decide whether to proceed."
      ]
    },
    {
      "heading": "No hidden public credit boxes",
      "paragraphs": [
        "Emporio does not publish confidential lender criteria or expose private buyer and deal information through public agent endpoints. Public methodology explains matching dimensions; actual routing occurs inside the secure workflow."
      ]
    }
  ],
  "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/lender-matching/",
  "continuationUrl": "/contact/?path=lender"
}