ThinkSBA

Nationwide SBA 504 & 7(a) loan brokerage serving business owners and entrepreneurs purchasing CRE, acquiring a business or franchise or buying out a partner.

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Schedule a call with Ryan today to discuss your new venture via his calendar at https://t.co/z5E33WfaV5

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#SBA #SBA7a #SBAloans #BusinessAcquisition #SBAFinancing #BusinessBuying #Entrepreneurship #SmallBusiness #BusinessOwners #AcquisitionFinancing #CommercialLending #SBA7aLoan

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🚨 New SBA Rules Are Changing How Business Acquisitions Get Done

Starting October 1, 2026, SBA SOP 50 10 8.1 introduces major changes to 7(a) business acquisition lending.

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Read the full article on SBA Central to understand what the new rules could mean for business buyers and acquisition financing.

[Ryan Smith @MySBAPro]

In 2024, I bought a business for $4.725 million.

Under the SBA guidelines taking effect October 1, my transaction would have required a Quality of Earnings report.

In my case, that would have been overkill.

I was buying into a franchise. I had access to the franchise system’s data, and what mattered most to me was the top line. I wanted to know how much revenue the location could generate.

I already understood the bottom line.

I knew the expense structure. I knew where costs could be controlled. And I knew the business I was going to operate would look completely different from the business the sellers were operating.

A QoE would have added significant cost, delayed the transaction, and potentially cratered the deal once the sellers realized a third party was going to scrutinize their accounting practices.

And that is what I think people are missing.

The big winner here isn’t necessarily going to be the Quality of Earnings industry.

I think the real result will be fewer SBA acquisition deals over $3 million.

Why aren’t more people talking about that?

Because most of the people analyzing these rules are lenders, brokers, and service providers.

They’ve never actually bought a business.

They’ve never sat across the table from a seller.

And they don’t fully appreciate what happens to a transaction when you introduce another expensive layer of diligence that can expose every questionable accounting practice before the deal closes.

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Check out Founder @MySBAPro breakdown the intersection between SBA real estate loans and 1031 exchanges.

[Ryan Smith @MySBAPro]

Are owner user buildings and multifamily properties considered like kind in a 1031 exchange?

The answer might surprise you.

I tackle this question as part of my continued quest to innovate across both the owner user and investment real estate finance verticals by understanding both sides of the equation.

How does a business owner move from owning the building their company occupies into multifamily investment real estate?

Or go the other direction?

This intersection between SBA financing, owner occupied real estate and 1031 exchanges is fascinating.

And it may be a podcast topic that has never been discussed quite this way before today.

Thank you to Doug Taber for having me as a guest on his Podcast.

https://t.co/BWfZDZ6ywM

[ThinkSBA @ThinkSBA]

ThinkSBA also helps buyers understand the SBA process, prepare stronger loan packages, avoid common mistakes, and improve their likelihood of approval.

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Why the Best Business Buyers Search Less, Not More

The Biggest Mistake Business Buyers Make

Most first time business buyers believe the key to finding the perfect business is to cast the widest net possible.

They search every industry.

Every state.

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Whether you're purchasing your first business, acquiring an established company, financing owner occupied commercial real estate, expanding through acquisition, or buying a franchise, having the right financing partner can simplify an otherwise complicated process.