Jason Bowden
@jasonbizacq.bsky.social
Helping Entrepreneurs Secure SBA Loans for Business Acquisitions | Passionate About Small Business Growth | Partner at Arena Commercial Capital | Let's Make Deals Happen 🚀
5/ Example:
Buying a niche business requiring specific technical skills?
🚩 Without direct industry experience, securing SBA financing may be tough.
✅ Mitigation strategies:
Partner with someone experienced
Partial buyout
Demonstrate transferable experience
Buying a niche business requiring specific technical skills?
🚩 Without direct industry experience, securing SBA financing may be tough.
✅ Mitigation strategies:
Partner with someone experienced
Partial buyout
Demonstrate transferable experience
January 14, 2025 at 9:11 PM
5/ Example:
Buying a niche business requiring specific technical skills?
🚩 Without direct industry experience, securing SBA financing may be tough.
✅ Mitigation strategies:
Partner with someone experienced
Partial buyout
Demonstrate transferable experience
Buying a niche business requiring specific technical skills?
🚩 Without direct industry experience, securing SBA financing may be tough.
✅ Mitigation strategies:
Partner with someone experienced
Partial buyout
Demonstrate transferable experience
4/ What happens if things go wrong?
Key employees might leave, or equipment could break.
Can you step in and keep operations running smoothly? Being prepared for challenges is crucial.
Key employees might leave, or equipment could break.
Can you step in and keep operations running smoothly? Being prepared for challenges is crucial.
January 14, 2025 at 9:11 PM
4/ What happens if things go wrong?
Key employees might leave, or equipment could break.
Can you step in and keep operations running smoothly? Being prepared for challenges is crucial.
Key employees might leave, or equipment could break.
Can you step in and keep operations running smoothly? Being prepared for challenges is crucial.
3/ Do I have relevant skills or experience?
SBA lenders evaluate your experience closely.
✅ Highlight transferable skills and leadership roles from your past to position yourself as the right operator for the business.
SBA lenders evaluate your experience closely.
✅ Highlight transferable skills and leadership roles from your past to position yourself as the right operator for the business.
January 14, 2025 at 9:11 PM
3/ Do I have relevant skills or experience?
SBA lenders evaluate your experience closely.
✅ Highlight transferable skills and leadership roles from your past to position yourself as the right operator for the business.
SBA lenders evaluate your experience closely.
✅ Highlight transferable skills and leadership roles from your past to position yourself as the right operator for the business.
2/ Can I run this business?
Your background doesn’t need to be an exact match, but it should align with the business’s operational needs.
SBA lenders will want confidence in your ability to step into the owner-operator role.
Your background doesn’t need to be an exact match, but it should align with the business’s operational needs.
SBA lenders will want confidence in your ability to step into the owner-operator role.
January 14, 2025 at 9:11 PM
2/ Can I run this business?
Your background doesn’t need to be an exact match, but it should align with the business’s operational needs.
SBA lenders will want confidence in your ability to step into the owner-operator role.
Your background doesn’t need to be an exact match, but it should align with the business’s operational needs.
SBA lenders will want confidence in your ability to step into the owner-operator role.
6/ Wondering if a business is SBA eligible?
I can help you analyze the numbers, evaluate the deal, and avoid pitfalls. Let’s connect! 💬
#SmallBusinessOwnership #DueDiligence #SBALoans
I can help you analyze the numbers, evaluate the deal, and avoid pitfalls. Let’s connect! 💬
#SmallBusinessOwnership #DueDiligence #SBALoans
January 13, 2025 at 11:33 PM
6/ Wondering if a business is SBA eligible?
I can help you analyze the numbers, evaluate the deal, and avoid pitfalls. Let’s connect! 💬
#SmallBusinessOwnership #DueDiligence #SBALoans
I can help you analyze the numbers, evaluate the deal, and avoid pitfalls. Let’s connect! 💬
#SmallBusinessOwnership #DueDiligence #SBALoans
5/ Pro tip:
Use an SBA Loan Calculator to assess the Debt Service Coverage Ratio (DSCR).
Most lenders require a DSCR of 1.3x or higher to feel confident in your deal.
Use an SBA Loan Calculator to assess the Debt Service Coverage Ratio (DSCR).
Most lenders require a DSCR of 1.3x or higher to feel confident in your deal.
January 13, 2025 at 11:33 PM
5/ Pro tip:
Use an SBA Loan Calculator to assess the Debt Service Coverage Ratio (DSCR).
Most lenders require a DSCR of 1.3x or higher to feel confident in your deal.
Use an SBA Loan Calculator to assess the Debt Service Coverage Ratio (DSCR).
Most lenders require a DSCR of 1.3x or higher to feel confident in your deal.
4/ 3️⃣ Are the add-backs legitimate?
Sellers often claim expenses (e.g., personal travel, auto costs) can be added back to earnings.
But SBA lenders only accept clear, verifiable add-backs.
Sellers often claim expenses (e.g., personal travel, auto costs) can be added back to earnings.
But SBA lenders only accept clear, verifiable add-backs.
January 13, 2025 at 11:33 PM
4/ 3️⃣ Are the add-backs legitimate?
Sellers often claim expenses (e.g., personal travel, auto costs) can be added back to earnings.
But SBA lenders only accept clear, verifiable add-backs.
Sellers often claim expenses (e.g., personal travel, auto costs) can be added back to earnings.
But SBA lenders only accept clear, verifiable add-backs.
3/ 2️⃣ Are the financials reliable?
SBA lenders analyze tax returns.
🚩 A business that underreports revenue or inflates expenses to reduce taxes could make financing difficult.
SBA lenders analyze tax returns.
🚩 A business that underreports revenue or inflates expenses to reduce taxes could make financing difficult.
January 13, 2025 at 11:33 PM
3/ 2️⃣ Are the financials reliable?
SBA lenders analyze tax returns.
🚩 A business that underreports revenue or inflates expenses to reduce taxes could make financing difficult.
SBA lenders analyze tax returns.
🚩 A business that underreports revenue or inflates expenses to reduce taxes could make financing difficult.
2/ 1️⃣ Can the business generate enough cash flow?
✅ Can it cover SBA loan payments?
✅ Will it support your personal living expenses?
Cash flow is key to making the deal work.
✅ Can it cover SBA loan payments?
✅ Will it support your personal living expenses?
Cash flow is key to making the deal work.
January 13, 2025 at 11:33 PM
2/ 1️⃣ Can the business generate enough cash flow?
✅ Can it cover SBA loan payments?
✅ Will it support your personal living expenses?
Cash flow is key to making the deal work.
✅ Can it cover SBA loan payments?
✅ Will it support your personal living expenses?
Cash flow is key to making the deal work.
8/ Ready to navigate SBA loans or evaluate opportunities? 🚀
Let’s connect—I’m here to help you take the leap into business ownership!
Let’s connect—I’m here to help you take the leap into business ownership!
January 11, 2025 at 3:39 PM
8/ Ready to navigate SBA loans or evaluate opportunities? 🚀
Let’s connect—I’m here to help you take the leap into business ownership!
Let’s connect—I’m here to help you take the leap into business ownership!
7/ 💼 Starting smaller can be smart for first-time buyers:
✅ Easier to manage
✅ Lower risks
✅ Simpler financing
✅ Easier to manage
✅ Lower risks
✅ Simpler financing
January 11, 2025 at 3:39 PM
7/ 💼 Starting smaller can be smart for first-time buyers:
✅ Easier to manage
✅ Lower risks
✅ Simpler financing
✅ Easier to manage
✅ Lower risks
✅ Simpler financing
6/ 5️⃣ Challenges Are Inevitable
Every business has problems.
Ask yourself:
✅ What issues can you solve?
✅ What skills do you need to succeed as an owner?
Every business has problems.
Ask yourself:
✅ What issues can you solve?
✅ What skills do you need to succeed as an owner?
January 11, 2025 at 3:39 PM
6/ 5️⃣ Challenges Are Inevitable
Every business has problems.
Ask yourself:
✅ What issues can you solve?
✅ What skills do you need to succeed as an owner?
Every business has problems.
Ask yourself:
✅ What issues can you solve?
✅ What skills do you need to succeed as an owner?
5/ 4️⃣ Operational Fit
Can you run the business?
Lenders value relevant experience or transferable skills. Be realistic about the learning curve and your ability to tackle challenges.
Can you run the business?
Lenders value relevant experience or transferable skills. Be realistic about the learning curve and your ability to tackle challenges.
January 11, 2025 at 3:39 PM
5/ 4️⃣ Operational Fit
Can you run the business?
Lenders value relevant experience or transferable skills. Be realistic about the learning curve and your ability to tackle challenges.
Can you run the business?
Lenders value relevant experience or transferable skills. Be realistic about the learning curve and your ability to tackle challenges.
4/ 3️⃣ Evaluate Financials
Can the business cover:
✅ SBA loan payments?
✅ Your personal expenses?
Lenders want reliable tax returns & clear add-backs for approval.
Can the business cover:
✅ SBA loan payments?
✅ Your personal expenses?
Lenders want reliable tax returns & clear add-backs for approval.
January 11, 2025 at 3:39 PM
4/ 3️⃣ Evaluate Financials
Can the business cover:
✅ SBA loan payments?
✅ Your personal expenses?
Lenders want reliable tax returns & clear add-backs for approval.
Can the business cover:
✅ SBA loan payments?
✅ Your personal expenses?
Lenders want reliable tax returns & clear add-backs for approval.
3/ 2️⃣ Where to Look
Platforms like BizBuySell & BizQuest are great for beginners but often have low-quality listings.
Better opportunities? Try direct outreach, networking, & broker relationships.
Platforms like BizBuySell & BizQuest are great for beginners but often have low-quality listings.
Better opportunities? Try direct outreach, networking, & broker relationships.
January 11, 2025 at 3:39 PM
3/ 2️⃣ Where to Look
Platforms like BizBuySell & BizQuest are great for beginners but often have low-quality listings.
Better opportunities? Try direct outreach, networking, & broker relationships.
Platforms like BizBuySell & BizQuest are great for beginners but often have low-quality listings.
Better opportunities? Try direct outreach, networking, & broker relationships.
2/ 1️⃣ Define Your Target Statement
Be clear about what you’re looking for.
Example: “Manufacturing business, $500k–$1M SDE, 3-4x multiple, in San Diego.”
A strong target shows brokers you’re serious.
Be clear about what you’re looking for.
Example: “Manufacturing business, $500k–$1M SDE, 3-4x multiple, in San Diego.”
A strong target shows brokers you’re serious.
January 11, 2025 at 3:39 PM
2/ 1️⃣ Define Your Target Statement
Be clear about what you’re looking for.
Example: “Manufacturing business, $500k–$1M SDE, 3-4x multiple, in San Diego.”
A strong target shows brokers you’re serious.
Be clear about what you’re looking for.
Example: “Manufacturing business, $500k–$1M SDE, 3-4x multiple, in San Diego.”
A strong target shows brokers you’re serious.
6/ Navigating add-backs or complex financials in an acquisition? Let’s connect. 💬
#SmallBusiness #BusinessBuying #SBA7aLoans
#SmallBusiness #BusinessBuying #SBA7aLoans
January 11, 2025 at 3:38 PM
6/ Navigating add-backs or complex financials in an acquisition? Let’s connect. 💬
#SmallBusiness #BusinessBuying #SBA7aLoans
#SmallBusiness #BusinessBuying #SBA7aLoans
5/ Takeaway for buyers:
✅ Scrutinize add-backs early in the process.
✅ Work with a broker & lender who can evaluate financials and make a strong case to underwriters.
✅ Scrutinize add-backs early in the process.
✅ Work with a broker & lender who can evaluate financials and make a strong case to underwriters.
January 11, 2025 at 3:38 PM
5/ Takeaway for buyers:
✅ Scrutinize add-backs early in the process.
✅ Work with a broker & lender who can evaluate financials and make a strong case to underwriters.
✅ Scrutinize add-backs early in the process.
✅ Work with a broker & lender who can evaluate financials and make a strong case to underwriters.
4/ 3️⃣ The right lender makes a difference
Not all lenders are experienced with add-back-heavy deals.
In this transaction, finding the right partner was key to navigating the complexity.
Not all lenders are experienced with add-back-heavy deals.
In this transaction, finding the right partner was key to navigating the complexity.
January 11, 2025 at 3:38 PM
4/ 3️⃣ The right lender makes a difference
Not all lenders are experienced with add-back-heavy deals.
In this transaction, finding the right partner was key to navigating the complexity.
Not all lenders are experienced with add-back-heavy deals.
In this transaction, finding the right partner was key to navigating the complexity.
3/ 2️⃣ Credibility matters
Excessive or questionable add-backs raise red flags for lenders.
Excessive or questionable add-backs raise red flags for lenders.
January 11, 2025 at 3:38 PM
3/ 2️⃣ Credibility matters
Excessive or questionable add-backs raise red flags for lenders.
Excessive or questionable add-backs raise red flags for lenders.
2/ 1️⃣ Justification is key
Every add-back must have clear documentation.
Without proper records, lenders might reject the adjustments, which can jeopardize your financing.
Every add-back must have clear documentation.
Without proper records, lenders might reject the adjustments, which can jeopardize your financing.
January 11, 2025 at 3:38 PM
2/ 1️⃣ Justification is key
Every add-back must have clear documentation.
Without proper records, lenders might reject the adjustments, which can jeopardize your financing.
Every add-back must have clear documentation.
Without proper records, lenders might reject the adjustments, which can jeopardize your financing.