How to Leverage SBA Financing to Buy or Expand a Business or Franchise [SBA 7a loan and SBA 504 loan]

This was a live virtual event that we did online. Go to to sign up and get notified every time we have a virtual (or in-person) meetup.

Are you looking to start, expand, or buy a business, but unsure how to finance it? Look no further! In this video, we’ll be discussing the ins and outs of using SBA 7a and SBA 504 financing to make your business dreams a reality.

Whether you’re just starting out or looking to take your business to the next level, SBA financing can be a powerful tool to help you achieve your goals.

[04:27] Opportunities Abound: Business Acquisitions
[05:35] Franchise and Business Acquisition Financing Solutions
[06:08] Ways to Finance a Franchise or Business Acquisition
[07:26] Flexible Financing Solutions – Equipment Financing
[07:46] Flexible Financing Solutions – SBA 7a loan / SBA 504 loan
[08:57] SBA does not make the loans they guarantee a portion of the loan
[09:44] SBA is designed to help small business owners
[10:20] A requirement of SBA guidelines
[10:45] What’s required from the borrower or the sponsor to acquire a business?
[11:36] Ask the seller to do a seller carry-back
[11:49] What to do if you want to leverage the most?
[13:25] If there’s a collateral shortfall they will look for the additional shortfall
[13:47] What is rent replacement?
[16:06] SBA 504 Loan Structure
[16:35] The reasons why would you want an SBA 504
[18:23] We can build working capital in our loan
[19:10] A business acquisition is a 10-year term
[21:15] You can do an SBA 504 loan with a companion SBA 7a for working capital
[21:39] What can be financed if you are starting a business?
[22:19] A franchise is a blueprint or a recipe for success
[25:56] You can get partners that own less than 20 percent
[27:35] Is it tougher if you want to start a new business?
[27:58] For a business startup you need a very good business plan
[30:30] Starting a new management service company
[34:32] What are the typical terms? How long do these loans take?
[35:04] What might be the additional guidelines for someone who wants to use SBA loans for short term rentals?
[37:32] If you are buying an existing business, you need three tax returns from the business that you are buying
[38:41] You can get a projection-based loan for something that’s been mismanaged
[39:02] Flexible Financing Solutions – 401K Rollover
[40:58] Flexible Financing Solutions – Unsecured Term Loans
[41:35] Flexible Financing Solutions – HELOC
[41:54] Multiple funding options that you can do with SBA financing
[41:58] Get Beau’s book “Launch, Expand, or Buy Your Next Business” for free at
[42:25] Book a call at
[42:52] Any commentary on buying recession-resistant companies? I was thinking of HVAC or grocery, things that are not discretionary. Any other ideas for nondiscretionary companies?
[45:57] Beau talks about the franchise concept
[47:20] “Banks are hungry for SBA financing”
[48:04] There are certain banks who only do SBA deals when there’s real estate involved
[51:52] What Beau loves about SBA is you can be extremely resourceful and creative on a deal structure
[52:10] Business Growth Hacking: Top Ten Proven Content Marketing Strategies with Bill Davis – February 8, 2023, 6PM PST
[52:58] How to Plan, Design, Finance & Build Affordable ADUs with Derek Sherrell – February 15, 2023, 6PM PST
[53:42] Mid-term vs Short-term Rentals – Which is Right for You? with Al Williamson – March 15, 2023, 6PM PST
[55:37] Go to meetup.com and join Beau’s meetup group:

[55:58] Book a call at
[56:39] Get Beau’s book “Launch, Expand, or Buy Your Next Business” for free at
[58:02] Reach out to Beau if you want a discovery call about franchises
[58:15] Does it make difference if you already have loans with SBA?
[59:40] How will you qualify for a 504 green program?

If you’d like to ask me a question about real estate, do it here —

Are you a real estate investor or business owner looking to expand? Book a discovery call with Beau to learn all the ways he can help you –

💥 Thanks for watching 💥
#SBAfinancing #sb7a #sba504 #sba7aloan

About Beau: Beau Eckstein is a real estate entrepreneur, TV personality, and commercial mortgage advisor, specializing in construction financing and multi-family lending.

🎥 The video interviews we do on IFP will help you scale your real estate business and learn how to finance your all your projects.

About the Channel: Want to structure your investments in the right and secure way?

Learn great insights and make the right decisions through the Investor Financing Podcast hosted by Beau Eckstein….(read more)

LEARN MORE ABOUT: IRA Accounts

TRANSFER IRA TO GOLD: Gold IRA Account

TRANSFER IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA