SBA-Financed California Business Sales
SBA 7(a) loans dominate the $300K–$5M range. We package deals for clean SBA approval.
Licensed California Business Broker • 100% Confidential • No Upfront Fees
SBA 7(a) is the dominant financing tool for California small-business acquisitions in the $300K–$5M range. The program offers 80–90% loan-to-value coverage with 10-year amortization on goodwill (25 years if real estate is bundled), making it possible for individual operator-buyers to acquire businesses with as little as 10–15% down. Exit Clue packages every listing for clean SBA approval — well-documented financials, defensible cash flow, and clear transferability of customer base, leases, and management.
Buyer Profile
SBA-eligible buyers — US citizens or permanent residents, with relevant industry or management experience, with sufficient personal liquidity and credit. The lender determines specific eligibility per deal.
Financing
SBA 7(a): up to $5M loan, 10-year amort on goodwill / 25 years if real estate, prime + 2.25–4.75% interest. Buyer down payment typically 10–20%. Personal guarantee required from majority owners.
What to Expect at SBA-Financed
SBA-ready financials package
We prepare every listing with the documentation SBA underwriters require — 3 years tax returns, P&Ls, normalization adjustments, and customer concentration analysis.
Pre-screened lender network
Our SBA lender network includes specialists who know California submarkets and industry verticals — faster underwriting, fewer surprises.
Standard SBA timeline
Once a buyer is selected and LOI signed, SBA underwriting typically takes 60–90 days. We manage the process end-to-end.
Clean closing
We coordinate escrow, lease assignments, license transfers, and seller training schedules so the deal closes on time without surprises.
SBA-Financed Businesses by City
- SBA-Financed businesses in San Diego
- SBA-Financed businesses in Los Angeles
- SBA-Financed businesses in Long Beach
- SBA-Financed businesses in Irvine
- SBA-Financed businesses in Anaheim
- SBA-Financed businesses in Santa Ana
- SBA-Financed businesses in Newport Beach
- SBA-Financed businesses in Riverside
- SBA-Financed businesses in San Bernardino
- SBA-Financed businesses in Ontario
- SBA-Financed businesses in Rancho Cucamonga
- SBA-Financed businesses in Fontana
- SBA-Financed businesses in Moreno Valley
- SBA-Financed businesses in Corona
- SBA-Financed businesses in Temecula
- SBA-Financed businesses in Palm Springs
Frequently Asked Questions
Sell at SBA-Financed. Get a free, confidential valuation.
Get a free, no-obligation valuation from a licensed San Diego business broker. 100% confidential.