The Pioneer Capital Podcast

Podcast Appearances & Expert Conversations

Real Deals. Real Strategies. Real SBA Financing. Join Matthias Smith and the PCA team as they break down the complexities of SBA 7(a) acquisition financing and deal structuring on top industry shows.

SBA Loans Explained (with Matthias Smith)

SBA Loans Explained (with Matthias Smith)

In this episode, Pioneer Capital Advisory founder Matthias Smith discusses the different types of loans available for purchasing a business, how SBA loans work, and the importance of personal guarantees and life insurance in the loan process. He also addresses common misconceptions about SBA loans and shares actionable tips to help prospective business buyers prepare for a smooth financing experience.

Navigating SBA Loans & AI Trends with Matthias Smith (Pioneer) | The Savvy Capital Show

Navigating SBA Loans & AI Trends with Matthias Smith (Pioneer) | The Savvy Capital Show

Join hosts Christopher Pruijsen and Ben Moore for a fascinating conversation with Matthias Smith of Pioneer Capital - an SBA loan advisory expert - on The Savvy Capital Show. In this episode, Matthias breaks down the latest SBA loan changes, sheds light on how tariffs and other economic factors are affecting the M&A landscape, and offers strategic tips for searchers looking to secure SBA financing. You’ll also gain insights into how AI innovations are impacting both diligence and deal structuring for search funds. Whether you’re an aspiring entrepreneur-in-residence or a seasoned private equity professional, this discussion is packed with actionable takeaways and best practices.

Let's chat with Matthias - SMB acquisition loan broker, over $100m financed

Let's chat with Matthias - SMB acquisition loan broker, over $100m financed

I've taken a massive interest in the idea of buying & selling businesses. There's a world where people use financing to purchase profitable companies, build them up, and sell them. Matthias is an SMB acquisition loan broker that has done over $100m in deals during his career. Let's learn more about his story and get an intro to this subject.

Inside SBA Lending: Strategies for Business Buyers with Matthias Smith

Inside SBA Lending: Strategies for Business Buyers with Matthias Smith

In this episode of the M&A Launchpad Podcast, hosts Feras Moussa and Casey Minshew interview Matthias Smith, founder of Pioneer Capital Advisory, about his journey in SBA lending and entrepreneurship. Matthias shares how he built his firm, leveraged social media (especially Twitter) to attract clients, and provides actionable advice for navigating the SBA loan process. He discusses the importance of strong financials, creative funding strategies like HELOCs, and the real-world challenges of scaling a business—all while emphasizing the value of expert guidance and adaptability in the acquisition journey.

How to buy a Business: SBA Loans, Equity, and more with Matthias Smith | Scaling Podcast Ep 16

How to buy a Business: SBA Loans, Equity, and more with Matthias Smith | Scaling Podcast Ep 16

Host Aaron Harper sits down with Matthias Smith, founder of Pioneer Capital Advisory, for a deep dive into SBA business acquisition financing. Matthias shares tactical insights on navigating today's SBA landscape, including the impact of recent guideline changes on seller equity rollovers, licensing requirements, and partial buyouts. He breaks down common myths around zero-down deals, explains how deal quality affects lender interest, and outlines the key differences between cash flow lenders and collateral-focused banks. The conversation also explores how social media has changed the buyer landscape, why capitalization and experience still matter, and how Pioneer helps clients find the right bank and close with confidence. Packed with practical advice, this episode is a must-listen for business buyers, franchise operators, and anyone navigating the SBA process in 2025.

Helping business owners navigate the SBA loan process with Matthias Smith | Construct your life #468

Helping business owners navigate the SBA loan process with Matthias Smith | Construct your life #468

Matthias Smith is a life-long learner, passionate about helping entrepreneurs with accessing the capital that they need to launch and fund their businesses. The primary tool that he is familiar in working with is the United States Small Business Administration’s SBA 7(a) loan program. With a desire to always learn and grow..

From Back Office Worker to Successful SBA Advisor feat. Matthias Smith | Ep. #105 | Art of SBA

From Back Office Worker to Successful SBA Advisor feat. Matthias Smith | Ep. #105 | Art of SBA

Matthias returns to the podcast to catch up on what he’s been doing since quitting his w2 job back in May 2022. Matthias was an SBA loan closer for 7 years before making the decision to dive into the deep end of entrepreneurship and founded Pioneer Capital Advisory where he helps fellow entrepreneurs navigate the intricacies of SBA lending, and provides them with pathways to access capital to fuel their business ventures.

EP. 13 How to Finance SMB Acquisitions with SBA Loans

EP. 13 How to Finance SMB Acquisitions with SBA Loans

Join hosts Nick Bryant and Sean Smith for an in-depth conversation with Matthias Smith, founder and CEO of Pioneer Capital Advisory, on The SMB Investor Podcast. In this episode, Matthias shares his expert insights into the SBA 7(a) loan process — from getting under LOI to navigating bank underwriting, business plans, and the latest SOP guideline changes. Learn how recent SBA policy shifts are reshaping down payments, seller rollovers, foreign ownership rules, and how these impact deal structures for searchers and investors alike. Matthias also breaks down real-world strategies for keeping deals on track despite tighter bank scrutiny and new documentation requirements. Whether you’re a first-time business buyer, a search fund operator, or an investor syndicate partner, you’ll come away with practical guidance and up-to-date knowledge to navigate SBA lending in 2025 and beyond.

Buying your way in: The rise of entrepreneurship through acquisition, with Matthias Smith

Buying your way in: The rise of entrepreneurship through acquisition, with Matthias Smith

In this episode of The Path to Owning It Podcast, host Corey Brown speaks with Matthias Smith, Founder of Pioneer Capital Advisory, about the rise of entrepreneurship through acquisition (ETA) and how SBA 7(a) financing helps buyers acquire existing businesses. Matthias shares insights on deal structure, buyer fit, due diligence, and why ETA is becoming a critical path to business ownership as more owners approach retirement.

Breaking Down Debt Service Ratios and Business Financing with Matthias Smith

Breaking Down Debt Service Ratios and Business Financing with Matthias Smith

In this insightful episode of Mundane Millionaires, hosts Kevin Henderson and Eric Pacifici welcome Matthias Smith from Pioneer Capital. Matthias, a seasoned expert in SBA lending and business buying, dives into his professional journey, highlighting his transition from corporate roles to founding his own firm. His experience in SBA Lenders in a closing processing role and his passion for entrepreneurship through acquisition set the stage for an engaging discussion​​.

A Master Class in Small Business Acquisition Financing (Ep. 6)

A Master Class in Small Business Acquisition Financing (Ep. 6)

In this episode, I interview Matthias Smith, CEO and Founder of Pioneer Capital Advisory LLC, a boutique lending advisory firm founded in 2022, focused on helping acquisition entrepreneurs obtain favorable loan financings to fund their acquisitions, primarily under the SBA loan program.

Get Started

Ready to Secure the Right Financing?

Select your financing path below to book a strategy call. SBA engagements are lender-paid.

SBA 7(a) Loans

Finance Your Business Acquisition

Our core SBA 7(a) services for buyers looking to acquire a business or optimize existing debt. We quarterback the entire process from pre-LOI to closing.

100% Lender-Paid Engagements

I Have an SBA Deal
Under LOI

Ready to move forward with a signed Letter of Intent.

Book Acquisition Under-LOI Call

I'm Evaluating an SBA Acquisition

Evaluating a target, pre-LOI.

Book Acquisition Pre-LOI Call

Add-Ons & Growth

Expand Your Platform

Leverage SBA financing to add locations, acquire add-ons, or expand your current platform. We help you structure the capital stack seamlessly.

100% Lender-Paid Engagements

Expansion Deal
(Pre-LOI)

Evaluating add-on or expansion opportunities.

Book Expansion Pre-LOI Call

Expansion Deal (Under-LOI)

LOI signed, moving forward with financing.

Book Expansion Under-LOI Call

Debt Optimization

Finance Your Business Acquisition

Looking to optimize debt or re-amortize an existing SBA acquisition loan. No LOI required, one call to get started.

100% Lender-Paid Engagements

Optimize Your Existing Debt

Looking to optimize debt or re-amortize existing loans.

Book Debt Refinance Call

Non-SBA / Private Credit

Independent Sponsor Deals

For sponsors pursuing $2M+ EBITDA transactions. We structure private credit and institutional capital with faster timelines.

Buyer Pays Pioneer Fee

Sponsor Deal
(Pre-LOI)

Pursuing a larger, non-SBA transaction.

Book Sponsor Pre-LOI Call

Sponsor Deal (Under-LOI)

LOI signed, structuring the capital stack.

Book Sponsor Under-LOI Call

All consultations are confidential