Notes from the buyer's chair
Essays, data studies, and rule breakdowns for people buying a small business with SBA financing.
Letter of Intent to Buy a Business: What to Make Specific and What to Leave Vague
Almost none of an LOI binds you. That is the reason to load it with assumptions rather than keep it short.
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How to Buy a Business: The Step by Step Process
Every guide lists the stages. Almost none say when your attorney, CPA, banker, and quality of earnings firm actually need to enter, which is the part buyers get wrong.
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Buying a Laundromat: The Numbers Before the Romance
What closed sales actually report, what the financing lets you pay, and the diligence this asset class specifically demands.
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Business Valuation Calculator for a Small Business Purchase
What the tool computes, why two calculators give you two answers, and the valuation your lender will actually accept.
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What a Quality of Earnings Report Is and When SBA Requires One
Independent proof that a seller's earnings are real, and from October a requirement on larger SBA deals.
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SBA Loan to Buy a Business: The 7(a) Process, Step by Step
The financing path end to end: what makes a deal eligible, how the loan actually gets sized, and the four rules that decide whether the price you agreed to survives underwriting.
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