Business Acquisition Loans
SBA 7(a) financing up to $5M to buy a business.
#1 SBA Loan Broker in America
America’s #1
SBA Loan Broker.
Business acquisitions, working capital or commercial real estate. Our full-service SBA loan brokering service is 100% free.
- 50+ lenders compete for your deal
- $320M & 126 deals funded in 2025
- 100% free full-service support
- Full-service loan packaging & outreach
- Best rate guarantee— we’ll match or beat any offer
- Free business plan & financial projections
Financing For Every Deal.
Whatever your needs, we match you with the right SBA product and the right SBA lender.
SBA Pari Passu
Conventional and SBA financing working together on the same deal.
Commercial Real Estate
SBA 7(a) & 504 loans for owner-occupied real estate.
Working Capital & Expansion
Growth capital, debt refinancing, and equipment.
SBA Small Loan
Fast-track SBA Small Loan with up to $350,000 in 30 days.
Loan Refinance
Consolidate debt and improve cash flow with SBA rates.
Recent Deals
A sample of recently closed transactions across industries and deal types.
ConstructionClosed in 68 daysCommercial Flooring Contractor – Pari Passu
Deal Size$8.4M
TypeSBA 7(a) + Pari Passu
Down Payment10% equity
RatePrime + 1.00%
GovernmentClosed in 72 daysFederal Government Contractor
Deal Size$7.6M
TypeSBA 7(a) + Seller Financing
Down Payment6% equity
RatePrime + 1.75%
HVACClosed in 65 daysMulti-Market HVAC Company – Pari Passu
Deal Size$6.8M
TypeSBA 7(a) + Pari Passu
Down Payment3% + investors
RatePrime + 0.75%
RoofingClosed in 60 daysRoofing Company Acquisition
Deal Size$6.4M
TypeFull Acquisition
Down Payment1% personal + investors
RatePrime + 2.50%
HVAC & PlumbingClosed in 71 daysHVAC/Plumbing Business Acquisition
Deal Size$5.5M
TypeFull Acquisition
Down Payment5% equity + 9% seller note
RatePrime + 2.50%
ElectricalClosed in 70 daysElectrical Contracting Acquisition
Deal Size$4.6M
TypeFull Acquisition
Down Payment10% (from investors)
RatePrime + 2.00%
ManufacturingClosed in 63 daysPizza Dough Manufacturing Acquisition
Deal Size$4.5M
TypeFull Acquisition
Down Payment5% + 15% seller note
Rate7.90% fixed
TechnologyClosed in 62 daysHome Automation & Security Acquisition
Deal Size$4.47M
TypeFull Acquisition + LOC
Down Payment5% + seller note
Rate8.15% fixed
Food & BeverageClosed in 67 daysBakery Business + Real Estate
Deal Size$3.6M
TypeAcquisition + Real Estate
Down Payment10% equity + 10% seller note
Rate6.99% fixed
ManufacturingClosed in 71 daysSeasonal Manufacturing + RE
Deal Size$3.45M
TypeAcquisition + Real Estate
Down Payment10%
RatePrime + 2.50%
SaaSClosed in 64 daysSaaS Business Acquisition
Deal Size$3.5M
TypeFull Acquisition
Down Payment5% + 5% seller note
Rate7.99% fixed
HealthcareClosed in 60 daysMedical Billing Company Acquisition
Deal Size$1.5M
TypeFull Acquisition
Down Payment10%
RatePrime + 2.00%
Auto ServicesClosed in 66 daysWindow Tinting & Vinyl Decal Business
Deal Size$1.265M
TypeFull Acquisition
Down Payment5% + 5% seller note
RatePrime + 2.75%
FranchiseClosed in 68 daysOutdoor Lighting Franchise Acquisition
Deal Size$1.25M
TypeFranchise Acquisition
Down Payment~10% (from investors)
RatePrime + 2.00%
HealthcareClosed in 64 daysBehavioral Health Practice Acquisition
Deal Size$1.22M
TypePractice Acquisition
Down PaymentSeller note (full standby)
RatePrime + 2.25%
Home ServicesClosed in 66 daysPest Control Business Acquisition
Deal Size$1.16M
TypeFull Acquisition
Down PaymentSeller note + equity
RatePrime + 2.50%
Professional ServicesClosed in 60 daysCPA Firm Acquisition
Deal Size$640K
TypePractice Acquisition
Down Payment~10%
RatePrime + 2.75%
ConstructionClosed in 68 daysCommercial Flooring Contractor – Pari Passu
Deal Size$8.4M
TypeSBA 7(a) + Pari Passu
Down Payment10% equity
RatePrime + 1.00%
GovernmentClosed in 72 daysFederal Government Contractor
Deal Size$7.6M
TypeSBA 7(a) + Seller Financing
Down Payment6% equity
RatePrime + 1.75%
HVACClosed in 65 daysMulti-Market HVAC Company – Pari Passu
Deal Size$6.8M
TypeSBA 7(a) + Pari Passu
Down Payment3% + investors
RatePrime + 0.75%
RoofingClosed in 60 daysRoofing Company Acquisition
Deal Size$6.4M
TypeFull Acquisition
Down Payment1% personal + investors
RatePrime + 2.50%
HVAC & PlumbingClosed in 71 daysHVAC/Plumbing Business Acquisition
Deal Size$5.5M
TypeFull Acquisition
Down Payment5% equity + 9% seller note
RatePrime + 2.50%
ElectricalClosed in 70 daysElectrical Contracting Acquisition
Deal Size$4.6M
TypeFull Acquisition
Down Payment10% (from investors)
RatePrime + 2.00%
ManufacturingClosed in 63 daysPizza Dough Manufacturing Acquisition
Deal Size$4.5M
TypeFull Acquisition
Down Payment5% + 15% seller note
Rate7.90% fixed
TechnologyClosed in 62 daysHome Automation & Security Acquisition
Deal Size$4.47M
TypeFull Acquisition + LOC
Down Payment5% + seller note
Rate8.15% fixed
Food & BeverageClosed in 67 daysBakery Business + Real Estate
Deal Size$3.6M
TypeAcquisition + Real Estate
Down Payment10% equity + 10% seller note
Rate6.99% fixed
ManufacturingClosed in 71 daysSeasonal Manufacturing + RE
Deal Size$3.45M
TypeAcquisition + Real Estate
Down Payment10%
RatePrime + 2.50%
SaaSClosed in 64 daysSaaS Business Acquisition
Deal Size$3.5M
TypeFull Acquisition
Down Payment5% + 5% seller note
Rate7.99% fixed
HealthcareClosed in 60 daysMedical Billing Company Acquisition
Deal Size$1.5M
TypeFull Acquisition
Down Payment10%
RatePrime + 2.00%
Auto ServicesClosed in 66 daysWindow Tinting & Vinyl Decal Business
Deal Size$1.265M
TypeFull Acquisition
Down Payment5% + 5% seller note
RatePrime + 2.75%
FranchiseClosed in 68 daysOutdoor Lighting Franchise Acquisition
Deal Size$1.25M
TypeFranchise Acquisition
Down Payment~10% (from investors)
RatePrime + 2.00%
HealthcareClosed in 64 daysBehavioral Health Practice Acquisition
Deal Size$1.22M
TypePractice Acquisition
Down PaymentSeller note (full standby)
RatePrime + 2.25%
Home ServicesClosed in 66 daysPest Control Business Acquisition
Deal Size$1.16M
TypeFull Acquisition
Down PaymentSeller note + equity
RatePrime + 2.50%
Professional ServicesClosed in 60 daysCPA Firm Acquisition
Deal Size$640K
TypePractice Acquisition
Down Payment~10%
RatePrime + 2.75%
Here Is What Makes GoSBA Loans Different.
The business you want is waiting. The right lender is out there. Let's go find them.
50+ SBA Lenders
Lenders compete for your deal. More options means better rates, better terms, and faster approvals.
100% Free for Borrowers
Yes, 100% Free with no hidden fees. Lenders pay us. Zero cost and zero risk to you.
Highest Surety of Close
We work with lenders with the highest surety of close in the industry. 99.5% of accepted term sheets end up closing.
Fastest Speed to Close
Our lenders move fast. Borrowers that work with us save 2-3 weeks on average.
Best Rate & Terms Guarantee
If you find a lower rate from a qualified SBA lender, we'll match it or beat it. When lenders compete, you win.
Free Business Plan and Projections
We build your SBA business plan and financial projections that will maximize SBA fundability at no cost to you.
All Deal Structures
Pari-passu deals, investor-heavy deals, low personal liquidity or large seller notes, we do it all.
Full-Service
From LOI to funding — loan packaging, lender matching, underwriting support, and closing coordination.
No Deposits or Exclusivity
Working with us is really 100% free. No upfront deposits, anytime.
US-Based Team
A Working your hours and available for same-day meetings.
Ready To Get Your Deal Funded?
Join 126+ business owners who got the best SBA rate through GoSBA.
Your free assessment takes 2 minutes.
From LOI to Funded in 4 Simple Steps.
Our team handles the heavy lifting so you can focus on your business.
1
Day 1
LOI Is Signed
You sign the LOI and send us the deal. We assess eligibility, financing strategy, and likely lender fit based on the borrower, the business, the collateral, and the use of funds.
2
Day 7
Term Sheets
We package your deal and submit to our lender network. Qualified lenders compete for the deal so you can compare fit, pricing, execution quality, and closing confidence.
3
Days 7–30
Underwriting
Once you select a lender, we manage all communication, answer underwriter questions, and coordinate third-party reports — QoE, appraisals, environmental.
4
Day 60
Loan Closing
We track SBA authorization, coordinate closing documents, and ensure a smooth funding process. You get the keys. We handle the rest.
SBA Loans Built For Your Deal.
Whether you're acquiring a business, buying real estate, or fueling growth — we match you with the right loan and the right lender.
Buy a Business.
An SBA loan can be used to buy an existing company or to increase your ownership in your current business when you have partners.
- Perfect for new business acquisitions & partner buyouts
- SBA loans up to $5M or larger pari passu options
- 10% down payment or 5% down with full standby seller notes*
- Competitive rates starting at 6.75%
- Fast and streamlined process
- Done for you business plans & financial projections
Buy Real Estate.
SBA 7(a) and SBA 504 loans for commercial real estate purchase, refinance or construction. Save money on rent and build your business net worth.
- Purchase land, renovate buildings & refinance debt
- Competitive fixed rates starting at 6.3%
- Loan amounts up to $5M (SBA 7a) or $13M (SBA 504)
- Terms up to 25 years for real estate
- Low 10% down payment, 90% loan to value (LTV)
Working Capital For Expansion.
Fast and affordable working capital loans for business expansion, hiring new employees, debt refinancing or equipment.
- Loan amounts between $100,000 - $5M
- SBA-capped rates between 8% to 9.75%
- Long 10 year loan terms for the lowest monthly payments
- Best suited for business growth & debt refinance
- Minimum annual profit of $30,000/year
Recent Client Reviews.
Don't just take our word for it — hear from real business owners.
"I had a great experience working with Franco and Ishan at GoSBA while securing SBA financing for my business acquisition. Early in my search they quickly provided a strong SBA pre-qualification letter that helped me stand out with sellers. As I got closer to LOI, they spent time understanding the business, helping package the deal, and shopping it to a dozen banks to find the right lender. Throughout the process they were far more than just a loan broker - they were true thought partners and deal advisors, helping me navigate several hurdles along the way. Their systematic approach and deep banking relationships made SBA financing much smoother, and buying a business would not have been possible without their support. Highly recommend the GoSBA team."
"Ishan was an amazing help in getting in my deal done. He helped me close a $6 million dollar healthcare deal in NYC. I had gone through 4 banks and 2 brokers for getting to Ishan. Just when the deal looked like it could not get completed, Ishan found a lender. Appreciate it 10/10"
"I cannot recommend Ishan and GoSBA highly enough. Without Ishan’s guidance, persistence, and expertise, I do not believe I would have closed my deal. He stayed involved throughout the entire process, helped navigate every challenge, and consistently kept things moving toward the finish line. Business acquisitions and SBA financing can be complicated, but Ishan understood the process, communicated clearly, and worked relentlessly to get the deal closed. GoSBA is the best in the business, and I would recommend Ishan to anyone seeking SBA financing for a business acquisition."
"As a professional business broker, I can attest to the skill and competence of Ishan Jetly as an SBA loan broker. My son and I had a particular challenge to overcome in the bank underwriting process and Ishan, reaching to his many bank contacts, found a lender that could work with our unique situation. He was responsive, knowledgeable, and kept us informed throughout the entire process. I highly recommend GoSBA Loans for anyone looking for SBA financing."
"Many a loan broker couldn’t get our deal over the line but Ishan said he could and he delivered 110%. Everything we hoped for and more. If You’re lucky enough to come across him consider yourself blessed."
"Ishan is phenomenal. He guided me through the SBA process, connected me to multiple lenders, and ultimately drove to a deal at much better terms than I expected. Not only that, he remained a resource during closing (and during the SBA changes that were announced) and helped me get it done. Would absolutely work with him for any other deal I do."
"Working with Franco at GoSBA was great. Instead of us having to reach out to multiple banks, they provided a list of lenders that competed for our business so we ended up with the best rates. The process was easy and seamless, and I highly recommend them."
"Honestly, I couldn't be happier with the experience I had going through Franco and GoSBA. Something that I was always told was a terrible experience (SBA process) was extremely easy using GoSBA. The rate I received was amazing compared to others I looked at, and the process overall was made very simple from the start. When I buy my second business, I will absolutely be going back to GoSBA."
"Ishan and the folks at GoSBA were instrumental in making our small business acquisition dreams a reality! Ishan was heavily involved in the entire acquisition process not just finding lenders that would be willing to work with us and help fund the acquisition via the SBA. Their vast rollodex of lenders made the search process painless and Ishan provided guidance and opinions in selecting the most favorable offer we had on the table. His experience with the entire acquisition process was also invaluable in getting us across the finish line. I can't recommend GoSBA enough!"
"I could not speak more highly of Ishan and the service he provided. He went the extra mile in every way. Being the first time I went through this, he was always available and offered amazing advice in a much detail as i needed. He also got a great rate was able to offer advice on which lender to go with. By far the best broker i came across. Highly recommend if looking for an SBA loan."
Schedule Your Free SBA Consultation.
Tell us about your deal. We'll tell you exactly what you qualify for, which lenders are the best fit, what rate to expect and how to structure the deal for the best terms.
Everything SBA
Quickly learn everything relevant about the SBA and how you can use it to structure and close deals.
Free Deal Advice and Structuring.
Free deal advice and structuring to maximize SBA eligibility and lender interest..
You'll Know Exactly Where You Stand
We'll tell you what you qualify for, estimated rate, required down payment, and recommended next steps.
"I wish I had called GoSBA first instead of wasting 3 months at my bank. They had a term sheet in 5 days."
— James L., $4.2M Trucking Acquisition
Thanks — we got it.
A senior advisor will reach out within one business day with next steps.
In the meantime, you can call us at +1-855-381-6448.
Response Within 2 Hours
Our underwriting team reviews every submission personally — not a bot, not a form letter.
Free Deal Advice and Structuring.
This is a free assessment — not an application. Your credit score is not affected.
You'll Know Exactly Where You Stand
We'll tell you what you qualify for, estimated rate, required down payment, and recommended next steps.
"I wish I had called GoSBA first instead of wasting 3 months at my bank. They had a term sheet in 5 days."
— James L., $4.2M Trucking Acquisition
Schedule Your Free SBA Consultation.
Tell us about your deal. We'll tell you exactly what you qualify for, which lenders are the best fit, what rate to expect, and how to structure the deal for the best terms.
Thanks — we got it.
A senior advisor will reach out within one business day with next steps.
In the meantime, you can call us at +1-855-381-6448.
Response Within 2 Hours
Our underwriting team reviews every submission personally — not a bot, not a form letter.
Free Deal Advice and Structuring.
This is a free assessment — not an application. Your credit score is not affected.
You'll Know Exactly Where You Stand
We'll tell you what you qualify for, estimated rate, required down payment, and recommended next steps.
"I wish I had called GoSBA first instead of wasting 3 months at my bank. They had a term sheet in 5 days."
— James L., $4.2M Trucking Acquisition
Frequently Asked Questions
How is GoSBA free for borrowers?
SBA lenders pay a referral fee to brokers after your loan closes, as disclosed on SBA Form 159. You never pay anything — before, during, or after closing. This is standard practice in SBA lending, similar to how a real estate buyer’s agent is paid by the seller.
How is GoSBA different from applying directly to a bank?
When you apply directly to one bank, you get one offer — take it or leave it. With GoSBA, multiple lenders see your deal and compete for your business. That competition drives down your rate and improves your terms. Plus, we handle the entire application, packaging, and negotiation process for you.
What types of SBA loans do you offer?
We broker all SBA loan types: 7(a) loans for business acquisitions and working capital (up to $5M), 504 loans for commercial real estate (up to $13M), and SBA Express loans for faster funding under $500K.
How long does the SBA loan process take?
Most deals close in 45-75 days from complete application. Working capital loans can be faster (30-45 days). Business acquisitions and real estate typically take 60-90 days. Our streamlined process consistently beats the national average.
I'm buying a business — how much do I need for a down payment?
SBA requires a minimum 10% equity injection for acquisitions. However, if the seller offers a standby seller note (common in our deals), you may only need 5% cash out of pocket. We’ll help structure the deal to minimize your cash requirement while keeping lenders happy.
Can you help if my bank already turned me down?
Absolutely. We’ve funded dozens of deals that were initially declined by other banks. Different lenders have different criteria — what one bank won’t do, another will. Our job is to find the right lender for your specific situation.
Do I need industry experience to buy a business with an SBA loan?
Most SBA lenders want to see relevant management or industry experience. However, “relevant” is interpreted broadly — transferable skills from similar industries often qualify. We know which lenders are flexible on experience and can match you accordingly.