Real-World Case Studies: How Buyers Closed Their Deals with SBA 7(a) Financing

Beyond Theory: The Proof in Practice

Numbers matter—but results matter more.
Here are three GoSBA Loans–structured acquisitions that showcase how SBA 7(a) financing makes business ownership possible for real buyers.

Case 1: The Franchise Expansion ($6.3M)

A borrower acquired a 57-location tax preparation franchise with $6.3 million in total project cost. GoSBA structured:

• $5.0M SBA 7(a) loan (Pathward Bank)
• $323K buyer equity (5%)
• $1M seller notes (split between amortizing and standby)
• DSCR: 2.37× Year 1, 3.13× Year 3

The deal closed in under 90 days—despite multi-state operations—proving large-scale franchise rollups are SBA-viable when professionally structured.

Case 2: The Partner Buyout ($2.4M)

A logistics company’s co-founder retired; the remaining partner wanted full control.
GoSBA designed a 10-year term structure using a 5% seller standby note as equity.
The DSCR improved from 1.2× to 1.6× after adjusting valuation and working capital.

The borrower kept liquidity and eliminated the need for private investors.

Case 3: The E-Commerce Acquisition ($855K)

A digital entrepreneur purchased a 5-year-old Amazon FBA store using 10% down and a full standby seller note.
GoSBA worked with a lender comfortable with intangible assets, packaging verified revenue reports and supplier agreements.
Closed in 75 days with no collateral requirement beyond the business itself.

What These Deals Share

• Strategic use of seller notes to meet SBA equity rules
• Competitive lender bidding, saving borrowers 7–10% in lifetime payments
• Consistent communication between borrower, seller, and lender—facilitated entirely by GoSBA Loans

The Takeaway

SBA loans aren’t theoretical—they’re the most proven, scalable financing tool for small-business buyers.
These case studies illustrate that structure and guidance, not size or industry, determine success.