Using SBA Financing Strategies for Business Acquisitions

The Small Business Administration (SBA) is focused on helping small businesses succeed. The SBA offers a full range of services including helping business owners access contracting opportunities and gain access to capital through SBA loan programs. The SBA guarantees a percentage of these loans through participating lenders. Many business owners are not aware that SBA financing for acquisitions can go up to $5 million.These are largely cash flow loans and can fund a straight forward business acquisition as well as: Partner Buyouts Sale of a business between family members Business Acquisitions for growth Buyout of a Competitor And more… For the Seller looking towards retirement, [...]

By |2017-03-27T09:54:13-07:00April 22nd, 2015|Blog, Capital and Funding, Selling a Business|
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Thinking of Selling in 2015? Get Your Stuff Together: How to Catch the Eye of Private Equity

If you are thinking of selling your business in 2015, one of the first things you need to know is who will be your potential buyers. And the odds are good that your best buyer could be a private equity group. In general, private equity firms are involved in about 50% of transactions between $5 and $50 million. But this is the challenge: private equity firms receive hundreds of deal proposals every year. Only the smallest fraction of those proposals makes it through to an offer. Here are some statistics for a recent 3-year period. Average Deals Received a Year: [...]

By |2017-03-27T09:54:13-07:00January 20th, 2015|Blog, Capital and Funding, Selling a Business|
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Let’s Eat Cake: How to Recapitalize Your Business AND Retain Control

How do you take cash out of your business without losing a majority of your equity or losing operational control? Or worse, signing all types of personal guarantees? If you were able to take significant cash out of your business while retaining a majority ownership position and operational control, what could you do with the cash? Buy out a shareholder who may want to retire Diversify the financial exposure of running your business Fund a strategic acquisition or increase investment spending for growth and expansion, without putting your personal assets at risk Pay off the lake house, fund your near [...]

By |2017-03-27T09:54:13-07:00August 6th, 2014|Article|
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6 Common Mistakes You Don’t Have to Make When Selling Your Business

Selling a business is a complex process that can take from 6 -18 months. Most business owners sell a business only once or maybe twice in a lifetime. The value of the business often comprises 65-90% of a business owner’s personal net worth. So, selling a business is a Really Big Deal for most owners, and while there are many things that go into a successful transaction, there are just as many things that can derail the deal. Avoiding these common mistakes is vital. 1.  Not preparing sufficiently for selling prior to going to market. Many business owners do not [...]

By |2017-03-27T09:54:13-07:00May 14th, 2014|Article, Business, M&A Intermediaries, Selling a Business|
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Is there a future for the American entrepreneur?

Things may not be looking good for entrepreneurs in America, according to this article, The Mysterious Death of American Entrepreneurship.  Well, things may not be  looking good for entrepreneurs outside of the tech sector, that is. I'm working with entrepreneurs every day, so I see lots of stories of success and plenty of stories of struggle. But I think the American entrepreneur is still alive and kicking. An owner of a successful manufacturing company contacted me recently, wanting to find a way restructure the ownership in his company in order to allow his older brother to retire with financial independence. [...]

By |2017-01-25T15:00:42-07:00May 8th, 2014|Blog, Capital and Funding, M&A Intermediaries|
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Finding Capital: Getting a Helping Hand

It has been said that necessity is the mother of invention. In this Wall Street Journal article, Big Firms Fill Funding Gap, the author shares how big firms still need their smaller suppliers and vendors.  So much so in fact, that some large firms are stepping up and providing working capital and bridge loans to help their smaller counterparts grow and become well-established companies. For entrepreneurs and owners of smaller firms, having just a few large customers, i.e. customer concentration, greatly increases overall risk in the ownership and operation of the business and can become a real value detractor when it [...]

By |2017-03-27T09:54:13-07:00April 24th, 2014|Blog, Capital and Funding, M&A Intermediaries, Selling a Business|
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Will you get the best price for your business?

9 times out of 10 leverage will beat fair and reasonable. Don’t leave it to chance – choose to sell your business the right way. At some point, all privately held businesses are passed on through inheritance, sold or cease to exist. So the fact is, as a business owner, unless you have family members or someone to leave your business to, there’s a good chance you will be involved in a process to sell your business. This article is not about selling your business now, but rather about how to achieve leverage and advantage when the when [...]

By |2017-03-27T09:54:14-07:00April 2nd, 2014|Article, Business, Selling a Business|
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Are you resourceful?

In my business I have the privilege of working with many remarkable leaders and entrepreneurs and I have to agree with this article: being resourceful goes a long way towards success. Finding ways to make something out of nothing, setting up your office wherever you can use your laptop, taking the risk of killing good ideas for better ideas - resourceful people figure out how to make it happen. Are you scrappy, inventive or enterprising? Check yourself against this list from Inc. Magazine: 7 Things Really Resourceful People Do

By |2017-01-25T15:01:20-07:00April 2nd, 2014|Blog, M&A Intermediaries, Selling a Business|
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Six Signs That It’s Time To Sell Your Business

Are your business trends up? Is your business profitable? It might be time to sell. Are you wondering if it’s time to sell your business? Consider these indicators: Your Business Trends are Up It is hard to sell a business when trends are going down. Most buyers don’t want to buy on a downward trend. And if they do, they expect to pay less. Business Owner Burnout (BOB) If you don’t look forward to going to work anymore, you may have BOB.  BOB (not your uncle) is one of the top reasons businesses go up for sale.   Unfortunately [...]

By |2017-03-27T09:54:14-07:00February 24th, 2014|Blog, Selling a Business|
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Walt Lipski owns and operates this website, and provides non-securities related investment banking services through Upton Financial Group LLC, primarily to companies with annual revenues between $5 and $75 million. Any testimonials presented herein are not intended to represent the experience of all clients or guarantee future performance or success. Real Estate transactions completed through Upton Advisors, LLC. Hyperlinks on this website are provided as a convenience and we disclaim any responsibility for information, services or products found on websites linked hereto.
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