SBA loans open the door to business ownership and growth, but they come with rules and risks that typical financing doesn’t. If you’re buying a business with SBA financing or your current SBA loan isn’t working out, we help you make informed decisions that protect your business, your investment, and your personal finances.

Having represented both lenders and borrowers, we understand what each side needs and how to keep things on track. Whether you’re closing a deal or restructuring one, the right guidance early on can make all the difference.

SBA Acquisitions

We represent buyers in SBA-financed transactions, from first-time entrepreneurs purchasing a company to experienced operators growing through acquisition. SBA transactions require more than negotiating a business purchase. They demand careful alignment of deal terms, lender requirements, and SBA program rules so the transaction remains eligible for financing and closes as intended.

Our work begins with transaction structure. We help you evaluate purchase structures, equity contributions, seller financing arrangements, eligibility concerns, and other factors that can affect SBA approval. From there, we guide you through letters of intent, due diligence, purchase agreement drafting and negotiation, and coordination with lenders and other parties. Our focus is on identifying risk while keeping the transaction moving toward closing.

SBA Loan Workouts

Not every SBA loan performs as planned. When your business encounters financial challenges, we help you develop a structured workout strategy and engage effectively with lenders and the SBA before contemplating a bankruptcy filing.

Many SBA borrowers have more options than they realize, including alternatives that can preserve value, limit personal liability on the loan, or create a more favorable outcome. We help you evaluate loan modifications, negotiated resolutions, distressed business sales, wind-down plans, and settlement through an SBA Offer in Compromise before making decisions that could have long-term financial consequences.