Prove the business is bankable before exclusivity expires.
Defensible SDE, buyer global DSCR and a lender-ready acquisition package, so financing does not kill the sale.
Add-backs that supported the asking price get stripped in underwriting, the loan shrinks and the deal re-trades or dies.
Buyers approach lenders with a CIM, not a credit package, and start underwriting from zero.
Every week in financing limbo risks the buyer walking or the seller re-listing.
The number that supported the price has to survive underwriting.
Main Street business brokers and M&A intermediaries packaging acquisition debt for buyers
What changes
- 1ListingSpread the seller's returns and build the SDE schedule with evidence.
- 2LOIRun the buyer's global DSCR against the proposed structure.
- 3FinancingPackage the acquisition loan and share with preferred lenders.
- 4CloseDeliver Form 1919, 413 and 4506-C for both parties.
Defensible SDE
Every add-back carries a written justification and a defensibility rating, so the number that supported the price survives underwriting.
Buyer bankability check
Model the buyer's equity injection, seller note on standby and personal obligations to confirm global DSCR before the LOI.
Lender-ready acquisition memo
Business history, transition plan, Source & Use and collateral in the format SBA preferred lenders expect.
Seller financial package
Three years of spreads and a reconciled TTM that buyers and their lenders can trust during diligence.
Questions from business brokers & m&a
No. LoanPacket calculates and documents SDE and cash flow. Valuation remains the broker's or an independent appraiser's work.
Yes, through a tracked share link or a Word export the lender can adapt.
Package your next loan in 15 minutes instead of 3 weeks.
Upload a set of sample tax returns and generate a complete, lender-ready credit memo on your first day.