Small Business Financing

The idea to have a buying a business checklist follows the adage that it's always useful to start with a plan when searching to buy a small business for sale. Peter Siegel, MBA Founder of both BizBen.com and BizBuyFinancing.com suggest six items for all business buyers.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Buying A Business, How To Buy A Business, Small Business Financing

What are actual adjusted net earnings of a company being purchased with business acquisition financing? That's the figure to know and to provide a lender. Peter Siegel, MBA explains this concept.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Small Business Financing

Financing a yogurt shop for sale can be challenging. Here, you'll learn the real scoop behind financing a yogurt shop for sale to help it be profitable from the start. Peter Siegel with BizBen discusses strategies on this topic.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, How To Buy A Business, Small Business Financing

The agreement reached in Washington last week to avoid a government shutdown and impose $38 billion in the first round of spending cuts barely affected funding for the SBA. Peter Siegel shares the latest SBA news and its effect on business purchase financing.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Small Business Financing

The chances of getting small business purchase loans have improved in the past few months largely because the Small Business Administration is encouraging banks to participate in offering the agency's small business lending programs. Peter Siegel, MBA with BizBen.com explains.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Deal And Escrow Issues, How To Buy A Business, Small Business Financing

Most business acquisition financing strategies involve borrowing money to meet the purchase price. But an entirely different approach, equity sharing, is sometimes pursued if borrowed money is not wanted, or is not available to complete the purchase. Peter Siegel, MBA with BizBen.com covers this topic.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Deal And Escrow Issues, How To Buy A Business, Small Business Financing

The three most widely used sources of funds for financing business purchase assets are buyer's cash, seller financing, and SBA bank loans. Peter Siegel, MBA with BizBen.com and an SBA loan consultant & placement specialist explains the differences between them.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Buying A Business, How To Buy A Business, Small Business Financing

All sellers, agents, and business brokers should pre-qualify their businesses for sale for SBA loan business purchase financing, increasing the availability of more business buyers in the process. Peter Siegel with BizBen.com explains why in this article.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, How To Sell A Business, Selling A Business, Small Business Financing

Business purchase financing advisor and SBA loan broker/consultant Peter Siegel shares his views of getting SBA loan financing faster for business purchase financing.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Small Business Financing

Financing a business purchase, or getting cash for a down payment can take many forms. Hopefully the options listed below will give you some ideas where you can find the money to buy a California business!

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Small Business Financing

The good news is that the recently enacted Federal small business lending provisions will make it easier for prospective purchasers of small California businesses to borrow money they'll need to complete a deal. But it's only good news if buyers move now, to get pre-qualified for an SBA loan.

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 Categories: Business Purchase Financing, How To Buy A Business, Small Business Financing

In a recent press release, the SBA said it has received a total of $730 million under the ARRA (American Recovery and Reinvestment Act) passed by Congress on Feb. 17, 2009. The funds have helped the SBA boost lending with incentives to borrowers, such as waiving loan fees, and to lenders, by guaranteeing up to 90% of the loans they provide to small businesses. Peter Siegel, MBA President of BizBen chats about recent SBA loan proposed legislation.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Small Business Financing

A bill to extend the popular incentives that helped boost lending for small business acquisition and expansion last year and earlier this year may be passed by the US Senate. Among other things, the legislation is intended to waive loan fees and provide lenders with up to 90% guarantee under the SBA 7(a) and 504 loan programs. Do you know of any SBA lenders who are doing loans for business acquisitons? Let me know your recent experiences concerning this important piece of deal making when trying to finance a business purchase.

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 Categories: Business Purchase Financing, Small Business Financing

Our BizBen Panel of Experts was consulted on a problem posed by a visitor to our site, who asked what to do about selling her flower shop, considering that she has a manager who is interested in buying it and would be good at running it, but lacks the funds to make that happen.

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 Categories: Answers To Viewers Questions, Business Purchase Financing, Buying A Business, Deal And Escrow Issues, How To Buy A Business, Small Business Financing

Vendor financing is one option in the quest to buy a small business. With SBA financing getting more difficult these days, vendor financing is one possibility for business purchase financing.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Deal And Escrow Issues, Small Business Financing

To understand the pros and cons of diverting funds from your 401(k) retirement plan towards the purchase of a business, it is first necessary to brush up on some investment basics. Before approaching the issue of using a 401(k) to buy a business, let’s take a quick look at stocks and bonds.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, How To Buy A Business, Small Business Financing

The use of “add backs” is common among sellers of small and mid-sized businesses when showing their financials and explaining that the buyer will actually enjoy more profit than is shown. But buyers are cautioned to watch out for “add backs” that are actual expenses pretending to be owner benefits.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Business Valuation Issues, Deal And Escrow Issues, Small Business Financing

Once again--for the third time--the SBA is offering incentives to encourage loans under its 7(a) and 504 programs, so entrepreneurs will have the funds needed for the expansion and purchase of small businesses.

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 Categories: BizBen Blog Contributor, Business Purchase Financing, Small Business Financing

The money needed to help individuals buy small businesses or to enable small business owners to expand their companies is becoming more available after the severe credit freeze that impacted the economy during the end of 2008 and the first part 2009. The SBA announced that loans to businesses totaled $1.9 billion in September, the highest monthly sum since August 2007.

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 Categories: Business Purchase Financing, Small Business Financing

Today I received a call from a potential business buyer who had industry experience was trying to buy a RV dealership and needed financing to complete his transaction. In the eyes of the SBA his small business was too big to qualify for business purchase financing.

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 Categories: Buying A Business, Small Business Financing