Help Your Buyers Get Financed
Send your buyers to GoSBA for a free SBA pre-qualification letter before they make an offer. When a deal goes under LOI, we package it, take it to the SBA lenders in our network of 50+ that fit it, and keep it moving to closing. It costs your buyer nothing.
Refer buyers regularly? Register for the Broker Partner Program.
Refer A Buyer, Share In The Result
Partners receive a revenue share on referred SBA loans that close. The exact percentage is set out in your partner agreement, which we send after you register.
- Register. Fill out the short form below. It takes about 2 minutes.
- Get Your Referral Link. We send your partner agreement and your personal referral link within one business day.
- Refer The Buyer. Share your link, send the buyer to Get Started, or request a pre-qualification letter for them.
- Track Status. We keep you updated as your buyer moves from pre-qualification to approval and closing.
- Paid At Funding. Your revenue share, per your partner agreement, is paid after the loan funds.
How Partner Compensation Works
- Revenue share on referred loans that close: per your partner agreement.
- Partners are compensated by GoSBA from the lender side only, never by the applicant.
- Referral relationships and all fees are disclosed to the lender and the borrower on SBA Form 159, as SBA requires for Referral Agents (SBA SOP 50 10 8.1, Section A, Chapter 4; 13 CFR 103.1(f)).
- Your buyer pays GoSBA nothing.
Not a business broker? Past clients and friends can use our Refer A Buyer program and get a $500 gift card.
Register As A Partner
Four short steps. We send your partner agreement and referral link within one business day.
Thanks, we got it.
We’ll send your partner agreement and referral link within one business day.
How The Pre-Qualification Letter Works
A simple way to separate buyers who can close from buyers who are still browsing.
Your Buyer Applies
They fill out the short form on our pre-qualification page, about 3 minutes, with their cash, retirement funds and preferred structure, and upload a personal financial statement and resume.
We Review The File
Our team reviews each file before a letter goes out, so the number on it reflects what SBA lenders will actually count.
The Letter Arrives
Your buyer receives a letter by email showing the SBA loan amount they pre-qualify for, based on the cash they can put toward the Down Payment.
They Make A Stronger Offer
Your buyer attaches the letter to their offer or LOI, so the seller sees financing is realistic before negotiating.
A pre-qualification letter is not a loan approval. The lender approves the loan after reviewing the business, the valuation and the buyer’s full file.
Why Brokers Send Buyers To GoSBA
Every deal that falls apart in financing costs you months. We focus on SBA business acquisitions, so we know how lenders will look at your listing before your buyer signs an LOI.
Qualified Buyers, Earlier
The letter is based on the buyer’s real liquidity and the Down Payment rules, so you know who can close before you spend time on diligence.
Stronger Offers For Sellers
Sellers compare offers on certainty, not just price. A letter from an SBA loan broker makes your buyer’s offer easier to accept.
SBA-Ready Structures
We help buyers propose structures lenders accept: 10% Down Payment, a seller note on full standby for up to half, and no seller earnout.
Lenders That Fit The Deal
We take the deal to the SBA lenders in our network that finance that industry, size and state, so lenders compete for it.
One Team To Closing
We build the loan package, including the business plan and projections lenders ask for, and handle lender questions through closing.
Privacy Kept
We never publish business, buyer or seller names. Our deals page shows only anonymous titles, sizes and structures.
What Makes A Listing SBA-Ready
Have these ready and lenders can move as soon as your buyer signs an LOI. If something is missing, we will tell you early.
- Three years of business tax returns and a current year-to-date profit and loss statement and balance sheet.
- Documented add-backs. Lenders accept only reasonable, supportable adjustments, and the independent valuation has to support the price.
- Cash flow that covers the new debt at least 1.25 times on the last fiscal year or the average of the last two.
- A seller open to a note on full standby, which can cover up to half of the buyer’s Down Payment.
- A transition plan: the seller can consult for up to 24 months but cannot stay as an owner or employee in a full sale.
- For business purchase prices of $3 million or more, a Quality of Earnings report ordered for the lender.
- No earnout. SBA does not allow seller earnouts on 7(a) acquisitions; buyer rebates are allowed.
What To Expect On Timing
We keep promises we can control. Every buyer or broker who reaches out through Get Started hears back from an SBA loan broker within one business day.
- First response: within one business day of a Get Started request.
- Pre-qualification letter: the buyer completes the short form, our team reviews the file, and the letter is emailed. Complete files move fastest.
- Closing: depends on the deal, the lender, the valuation and how quickly documents come in. We give your buyer a realistic plan once we see the deal, not a promise of days.
- Throughout: we keep you informed on where financing stands so you can manage your seller.
Recent Acquisitions We Financed
Real loans we closed in 2026. Names and lenders are kept private.
LandscapingCommercial Landscaping, Snow Removal & Mulch Supply Company
Investor-backed 5% + 5% seller note (full standby)
ManufacturingAerospace-Certified Precision Machine Shop
10% down + seller note (24-mo standby)
HealthcareNon-Medical Home Care Agency
5% down + 5% seller note (full standby)
What Buyers And Brokers Say
Early in my search they quickly provided a strong SBA pre-qualification letter that helped me stand out with sellers. As I got closer to LOI, they spent time understanding the business, helping package the deal, and shopping it to a dozen banks to find the right lender.
He was responsive, knowledgeable, and kept us informed throughout the entire process. I highly recommend GoSBA Loans for anyone looking for SBA financing.
Frequently Asked Questions
How does the Broker Partner Program work?
Register with the form on this page. We send your partner agreement and referral link within one business day. When a buyer you refer closes an SBA loan, you receive a revenue share per your partner agreement, paid after the loan funds.
Who pays the partner revenue share?
GoSBA pays it from the lender side. Partners are never compensated by the applicant, and every referral relationship and fee is disclosed to the lender and the borrower on SBA Form 159, as SBA requires for Referral Agents.
Does GoSBA charge my buyer anything?
No. Our service is free to borrowers. We are paid by the lender after the loan closes.
How does my buyer get a pre-qualification letter?
They complete the short form on our pre-qualification page, which takes about 3 minutes, and upload a personal financial statement and resume. Our team reviews the file and emails the letter.
Is a pre-qualification letter a loan approval?
No. It shows how much SBA financing the buyer is likely to qualify for based on their liquidity and structure. The lender approves the loan after reviewing the business and the full file.
How do I refer a buyer or a listing?
Click Get Started and tell us about the buyer or the business. An SBA loan broker gets back to you within one business day.
What deal sizes do you work on?
Most of our deals are SBA 7(a) acquisitions up to $5 million. Above $5 million, lenders can pair an SBA loan with a conventional loan in a pari passu structure.
Will you share my seller’s information with lenders?
Only the lenders that fit the deal, and only to get it financed. We never publish business, buyer or seller names.
Resources To Share With Buyers
Also see: Closed Deals · Franchise Resale · Partner Buyout · SBA Pari Passu · Our Team
Sources: SBA SOP 50 10 8.1 (eff. October 1, 2026): Section A, Ch. 4, Referral Agents (13 CFR 103.1(f); SBA Form 159 disclosure; compensated by the applicant or the lender, not both); Appendix 15, Equity Requirements (10%; seller debt on full standby up to half); Lender’s Credit Analysis (1.25 DSC); Quality of Earnings ($3 million); Change of Ownership Requirements, items 21 and 22 (no seller earnouts; seller consulting up to 24 months).
Get Started On Your SBA Loan
Tell us about your deal. An SBA loan broker reviews it and gets back to you within one business day.
Thanks, we got it.
A senior advisor will reach out within one business day with next steps.