by Steve Mariani | Jan 24, 2014 | Uncategorized
SBA Tip # 5 How some “rental income” can help your deal! By Stephen Mariani With most of the businesses we see these days having tighter cash flow in some previous years this is one of the ways we push them to the finish line. If they are including the CRE...
by Steve Mariani | Dec 6, 2013 | Uncategorized
SBA Tip # 4 How to Protect Investors/Partners By Stephen Mariani When the buyer needs additional down payment monies and brings in a partner, there are ways to protect them. The SBA requires any borrower (or owner in the new corp.) with a 20% or more ownership...
by Steve Mariani | Nov 6, 2013 | Uncategorized
SBA Tip # 3 Seller must be gone within 12 months By Stephen Mariani This rule comes up many times during the acquisition process and MUST be addressed prior to the loan submission to any lender. The actual rule states: The seller may not remain as an...
by Steve Mariani | Oct 10, 2013 | Uncategorized
SBA Tip # 2 No such thing as a 1.2 million dollar goodwill cap on loans. By Stephen Mariani There truly is no such thing as a goodwill maximum, as defined by SBA, and this is ALWAYS an individual lender policy. It is for this reason alone that we choose to share the...
by Steve Mariani | Sep 18, 2013 | Uncategorized
When Commercial Real Estate Is An Option Why commercial real estate rules matter in your loan structuring. by Stephen Mariani Actual SBA 7(a) Maturity Rule May use a blended maturity or a maturity up to the maximum for the asset class comprising the largest percentage...
