Get in Touch with SBA Loan Experts

At Pioneer Capital Advisory, we specialize in helping acquisition entrepreneurs secure SBA 7(a) loans to buy businesses. Whether you’re just starting or deep in the process, our team is here to help.

Get Consultation Direct SBA Professionals

matthias@pioneercap.com

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Why Talk to Us?

We specialize in Financing Business Acquisition For

100% free advisory service for buyers

100% free advisory service for buyers

Expert guidance on SBA 7(a) loan structuring

Expert guidance on SBA 7(a) loan structuring

$300M+ in total SBA loan experience

$300M+ in total SBA loan experience

Fast lender matching and strategic insights

Fast lender matching and strategic insights

Got Questions?
We've Got Answers

What is SBA 7(a) financing and how does it work?

SBA 7(a) financing is a government-backed loan program designed to help entrepreneurs acquire, expand, or operate small businesses. At Pioneer Capital Advisory, we guide you from LOI acceptance through final funding, ensuring a smooth, lender-matched experience.

Who is Pioneer Capital Advisory best suited for?

We specialize in helping acquisition entrepreneurs and self-funded searchers seeking SBA loans between $500,000 to $5 million. Whether you’re buying your first business or expanding an existing one, we help match you with the right lender.

What industries does Pioneer Capital Advisory serve?

We’ve helped clients secure financing for diverse industries including HVAC, towing, self-storage, landscaping, and more. Our team’s depth of experience allows us to support a wide variety of acquisition scenarios.

Do I have to pay Pioneer Capital Advisory directly?

No. We are paid by the SBA lender after your deal closes. There’s no cost to you as the buyer — our goal is to get you funded, not charge you fees.

Can I use SBA 7(a) loans for partial acquisitions?

Yes, in certain cases. We help you structure deals that meet SBA criteria, including transactions involving full or partial seller standby notes to minimize your cash down payment.

How long does it take to close an SBA 7(a) loan?

Timelines can vary, but most deals take 60 to 90 days to close. Our team helps you anticipate and navigate each step to keep your acquisition moving smoothly.

What makes Pioneer Capital Advisory different from other loan brokers?

We don’t just connect you to lenders — we become part of your team. From initial consultation to underwriting hurdles, our experts provide strategic insights to strengthen your application and increase your odds of a clean close.

Why should I work with Pioneer Capital Advisory instead of going directly to a bank?

We’re lender-agnostic, meaning we match you with the best lender for your unique deal—not the one that pays us the most. Our guidance and deal structuring support give you a higher chance of approval and a smoother process.

What experience does your team have with SBA lending?

Our founder, Matthias Smith, has closed over $300 million in SBA loans and worked at four commercial banks. The entire team brings deep financial, underwriting, and deal execution experience.

Can you help me if I’m a first-time business buyer?

Absolutely. We specialize in working with first-time acquisition entrepreneurs. Our process demystifies SBA financing and gives you the support needed to close with confidence.

What are some industries Pioneer Capital Advisory has experience in?

We’ve supported deals in HVAC, towing, landscaping, medical practices, e-commerce, and more. We tailor the financing strategy to your target business’s unique profile.