Secure SBA 7(a) Financing to Buy an Existing U.S. Business
Pioneer Capital Advisory matches qualified buyers with SBA lenders, structures deals to to get the best possible terms, and guides you through underwriting to successful close.
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About Pioneer Capital Advisory
Founded on the belief that every qualified buyer deserves a fair path to ownership, Pioneer Capital Advisory LLC (PCA) supports clients nationwide with SBA 7(a) financing solutions. Our role is to simplify a complex process—connecting buyers, lenders, and advisors in a way that accelerates clarity, confidence, and closure.
Why Business Buyers Choose PCA
The Smarter, Simpler Way to Finance a Business Acquisition
We help qualified buyers access SBA 7(a) funding faster— on average 75 days —without wasting months chasing the wrong lenders or struggling through confusing loan packages.
01
Expert SBA Guidance
Our team team specializes in telling the story behind your acquisition financing request so that the lenders understand the narrative behind the “why”. This helps with obtaining financing proposals faster, leading to a faster closing timeframe.
02
Lender-Matching System
We connect you only with lenders who already fund your type of deal, reducing wasted time and rejections.
03
End-to-End Deal Support
From LOI to closing, we guide your documentation, underwriting, and lender communication every step.
Why Business Buyers Choose PCA
From Application to Approval — Simplified
We make the business acquisition journey faster, clearer, and easier to finance. Our step-by-step approach eliminates confusion and saves you months of trial and error.
our process
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1. Book a Free Call
Begin by scheduling a no-cost consultation so we can understand your acquisition goals, deal structure, and funding timeline. We’ll assess your current stage, discuss eligibility for SBA financing, and outline the next steps to move toward prequalification.
02. Client Onboarding & Deal Packaging
Once onboarded, our team prepares a complete lender presentation that includes a macroeconomic overview of the industry you’re purchasing in, a background on you as the buyer, a background on the business being acquired, an explanation of why the two make strategic sense together, a detailed sources and uses breakdown, and a debt service coverage analysis. This comprehensive package ensures your deal is professionally presented, clearly structured, and easy for lenders to evaluate and underwrite for approval.
03. Lender Matching & Term Sheet Procurement
We identify and introduce you to SBA lenders best suited for your transaction based on deal size, structure, and industry. Our team coordinates lender outreach, compares financing proposals, and helps you secure competitive term sheets from banks that understand your business.
04. Underwriting & Pre-Closing Coordination
Once you’ve signed a term sheet, our team works hand-in-hand with you and the SBA lender to keep the underwriting process moving smoothly. If any challenges or points of friction come up, we’ll work together to find practical, win-win solutions. Meanwhile, our Head of Closing Operations will put together a pre-closing checklist so you can get a jumpstart on the post-approval process — helping you stay one step ahead as your deal moves through underwriting.
05. Bank Closing & Post-Funding Support
We assist you through final closing, fund disbursement, and post-close coordination. From reviewing lender deliverables to ensuring all final steps are wrapped up, our team stays engaged until the transaction is complete, so you can close with confidence.
Trusted by Buyers Nationwide
Who We Work With
Whether you’re a first-time buyer or a seasoned operator, we help you navigate every step of small business acquisition with clarity, strategy, and confidence.
Searchers & Entrepreneurs
Guiding first-time buyers, acquisition entrepreneurs, and search funders through every phase of their journey — from SBA prequalification to closing — with clear strategy and lender-backed support.
Business Operators
Supporting experienced owners and corporate professionals leaving the 9-to-5 who are ready to acquire, expand, or transition into business ownership through structured SBA financing.
Lenders & Advisors
Empowering veterans using SBA benefits to fund their next mission, while partnering with trusted lenders, brokers, and consultants to align funding strategies with client goals and timelines.
Our Philosophy
Guiding Principles That Define How We Work
Every transaction we support is grounded in clarity, collaboration, and integrity. These principles guide how we advise business buyers nationwide.
Education Before Execution
Sound strategy and understanding drive sustainable outcomes. Every buyer deserves clarity before taking the leap.
Collaboration Over Competition
The ETA ecosystem thrives when lenders, advisors, and searchers align around shared success.
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Integrity in Every Transaction
The long-term health of small business ownership depends on thoughtful stewardship and ethical decision-making.
Testimonials
What Our Clients Say
Real experiences from buyers and partners who’ve trusted Pioneer Capital Advisory to guide their acquisition journey.
Ready to See If You Qualify?
We work exclusively with bankable SBA buyers
If you meet the basics — 10%+ cash for equity, 680+ credit, and are buying an existing U.S. business (not a startup) — start your qualification now.
Frequently Asked Questions
Clarity is key to confident decisions. Here are answers to some of the most common questions buyers ask us.
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. We are industry agnostic and will do our best to help with securing SBA 7(a) financing for any industry that is SBA eligible.
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.
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.
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.
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.
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.
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.
We are compensated by the SBA lender after your deal closes and do not charge success-based fees. However, we collect a $2,500 good-faith deposit when you sign our engagement letter and agree to a 90-day exclusivity period. This deposit is returned after closing. It is forfeited if you decline a lender’s commitment letter without a change in terms, seek financing from other lenders during exclusivity, or the transaction fails due to fraud or misrepresentation (for example, an undisclosed bankruptcy or inconsistencies in your SBA personal financial statement).
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.
We specialize in helping acquisition entrepreneurs and self-funded searchers seeking SBA loans between $1 milion to $5 million. Whether you’re buying your first business or expanding an existing one, we help match you with the right lender.
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.
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.
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.
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.
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.
Capital Advisory provides financing advisory and SBA loan packaging services for qualified business buyers nationwide. We are committed to empowering entrepreneurs with the clarity, confidence, and capital they need to succeed.