Expert Guidance for SBA Acquisition Loans
Our step-by-step guidance through the complex SBA loan process significantly increases your chances of closing. We match you with the right SBA lenders and provide expert support at every stage — free to you.
We work with over 20 of the top SBA acquisition lenders to ensure you get the best possible terms for your business purchase.
Minimum Requirements:
$250,000 loan size • $20,000 down payment
The Advantages of Getting Prequalified
Getting prequalified for an SBA acquisition loan gives you a significant edge in the business buying process:
Increased Credibility
Sellers take prequalified buyers more seriously, giving you a competitive advantage over other potential buyers who haven't secured financing.
Faster Closing Process
Much of the paperwork and verification happens during prequalification, significantly reducing the time needed to close once you find the right business.
Negotiation Power
Knowing exactly how much financing you qualify for strengthens your position during negotiations and helps you avoid wasting time on businesses outside your budget.
Our Proven Process Gets Results
Our expert guidance throughout the SBA loan process has helped hundreds of business buyers close deals with better terms:
Dramatically Higher Success Rate
Our clients are significantly more likely to get approved and close their loans compared to those who navigate the process alone. Expert guidance makes all the difference.
End-to-End Support
From prequalification to funding, our step-by-step guidance eliminates confusion and helps you navigate the complex SBA process with confidence.
Lender-Matched Advantage
We match you with the ideal lender from our network of over 20 top SBA acquisition lenders, saving you months of time and dramatically increasing your chances of success.
Meet Our Team
Mark Fleming, CFA
President/CEO
Mark brings extensive deal expertise ranging from small business transactions to multi-billion-dollar IPOs. An owner of over two dozen small businesses himself, he understands the challenges of completing an acquisition using SBA loans. Mark is a Chartered Financial Analyst (CFA) with insights and expertise honed over decades of guiding clients through complex financial landscapes. His experience encompasses structuring deals, optimizing outcomes, and creating value for business owners at every stage of their journey.
Francis Calpo, CBCA
Director of Deal Execution
Francis oversees the logistics of bringing deals to the finish line. He is an expert in deal financing and deal project management. Francis holds the Commercial Banking & Credit Analyst (CBCA) designation.
Norvin Villa, CPA
Director of Analytics
Norvin brings 20 years of experience in accounting and finance. He is a certified professional accountant (Philippines) and is an MBA graduate.
How Our Guidance Works
Our step-by-step guidance has dramatically increased success rates for SBA acquisition loans
Expert Consultation
We start with a free consultation to understand your business acquisition goals and create a customized roadmap to maximize your approval chances.
Strategic Lender Matching
We match you with the most appropriate SBA lenders from our network of over 20 top SBA acquisition lenders who specialize in your specific industry and deal structure.
Guided Application Process
Our step-by-step guidance through each phase of the application ensures complete documentation and addresses potential obstacles before they arise.
Closing Support & Success
We work alongside you and the lender through underwriting and closing, advocating for your deal and significantly increasing your odds of funding.
Why Our Guidance Makes the Difference
Expertise That Closes Deals
Our specialized knowledge of SBA requirements and lender preferences helps anticipate and overcome common obstacles that derail many applications.
Access to Decision-Makers
Our established relationships with SBA lenders give your application direct access to decision-makers, speeding up the process and improving outcomes.
The Complete Guide to SBA Acquisition Loans
Everything you need to know about using SBA 7(a) loans to buy a small business — from eligibility to closing.
What Is an SBA Acquisition Loan?
An SBA acquisition loan is financing backed by the U.S. Small Business Administration that helps entrepreneurs purchase existing businesses. The most common program is the SBA 7(a) loan, which provides up to $5 million in financing with favorable terms designed specifically for small business buyers.
Unlike conventional business loans, SBA loans require lower down payments (as low as 5-10%), offer longer repayment terms (up to 10 years), and have competitive interest rates. The SBA guarantees up to 85% of the loan, giving lenders confidence to approve deals they otherwise wouldn't.
Who Qualifies for an SBA Acquisition Loan?
- Credit score of 680+ — demonstrates financial responsibility
- Industry or management experience — proves you can run the business
- 5-10% equity injection — skin in the game from savings, retirement, or other sources
- Viable business with proven cash flow — DSCR of 1.25x or higher
- No more than one bankruptcy — clean financial history preferred
How Owner Actions Helps — At No Cost
Owner Actions provides free SBA loan consultation for business buyers. We match you with the right SBA lender for your specific deal, prepare your loan package, and guide you through every step from pre-qualification to closing.
Why is it free? Owner Actions is compensated by the SBA lenders when a loan is successfully placed. You pay nothing for expert guidance that can save you weeks of time and significantly increase your chances of approval.
With 20+ years of experience and deep lender relationships, our team — led by Mark Fleming (CFA, FRM) — knows exactly which lenders are the best fit for your industry, deal size, and geographic location.
SBA Loan Key Numbers
Ready to explore SBA financing for your business acquisition?
Scroll down to connect with our team — completely free, no obligation.
Why Choose Us
No Cost to You
Our services are free to you. We're compensated by the lenders, so there's no cost to you for our expert guidance.
Acquisition Loan Experts
Our team specializes exclusively in SBA acquisition loans, understanding the unique requirements and challenges of business purchase financing.
Extensive Lender Network
With connections to over 20 of the top SBA acquisition lenders, we match you with the perfect lender for your specific business purchase needs.
Business Acquisition Loan Experts
"Our mission is to simplify the complex SBA acquisition loan process and help you secure the funding you need to purchase your business. With our network of over 20 top SBA lenders and over $70 million in successfully funded acquisition loans, we have the expertise to guide you through each step of the journey."
What Our Clients Say
"Partnering with Owner Actions has been an absolute game-changer for me. I would never have been comfortable pursuing my own business without their comprehensive support."
Justin S.
Owner, Florida Restaurant
"I couldn't have asked for better partners in my business acquisition journey. Mark, Katie and their team provided invaluable guidance and expertise throughout the entire process."
Brady T.
Owner, Texas Gym
"Owner Actions is exceptional, thanks to Mark, Katie, and Francis. Mark's expert advice was invaluable, while Katie provided outstanding support and impressive responsiveness. Francis offered strategic insights that were crucial for our success. Together, they deliver top-notch service that sets Owner Actions apart. I love their model and highly recommend their team to anyone seeking an acquisition."
Tyler R.
Owner, Florida Home Services Business
SBA Acquisition Loan FAQs
Expert answers to the most common questions about using SBA loans to buy a business
Ready to Get Started?
Fill out the form below and we'll get back to you as soon as possible.
Contact Information
Phone
1 (888) 705-2393
underwriting@owneractions.com
In the Spotlight for the Work We Love Doing.
Best Owner-Operator Business Acquisition Model
Acquisition International
2026
Owner Actions, for serving clients through an innovative business model
Excelling Finance Leader
Midwest Finance Forum
2025
Mark Fleming, CFA, FRM for his role in leading Owner Actions
Ohio500
Ohio Business Magazine
2025
Mark Fleming, CFA, FRM, for his influential leadership and impact on business in the state