Buyer capacity
Verified liquidity, post-close reserves, credit context, outside obligations, ownership eligibility, and management experience.
Open sourcePublic methodology
SBA Acquisition Financeability Methodology
Policy update: SBA SOP 50 10 8.1 took effect October 1, 2026. This guidance was reviewed before that change and is due for review. Confirm current transaction requirements with your lender and the official SBA SOP.
Emporio's financeability methodology evaluates the buyer, the target business, the proposed transaction structure, and likely lender fit as separate but connected constraints. The preliminary result is the most conservative credible conclusion supported by the available inputs; it is not a lender credit decision.
Transparent methodologyPolicy as of 2026-08-15Preliminary, not a loan approval
The four-layer assessment
The four-layer assessment
Output classifications
Output classifications
- Likely in range: no obvious threshold issue from the information supplied.
- Structure-dependent: the economics may work only with an approved price, equity, seller-debt, or working-capital change.
- Documentation-dependent: the claimed cash flow, funds, eligibility, or ownership facts require evidence.
- Lender-fit dependent: the transaction may be viable but not broadly acceptable across lenders.
- Not currently financeable: a material gap cannot be cured by a reasonable documentation or structure change.
Controls and limitations
Controls and limitations
Emporio uses current public SBA policy sources, dated assumptions, and calculation-tested worked examples. Lenders determine eligible cash flow, required equity, collateral, eligibility, policy overlays, pricing, structure, and approval. A result changes when the inputs, policy, or lender criteria change.
Authored and reviewed by Emporio Partners
Historical policy basis: SBA SOP 50 10 version 8, effective 2025-06-01. Version 8.1 took effect 2026-10-01; this guidance has not yet been substantively reviewed against that update.
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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