What We Do
Pioneer Capital Advisory helps business buyers secure SBA 7(a) acquisition financing with speed, precision, and institutional-grade execution.
We specialize exclusively in SBA 7(a) acquisition financing, serving as a strategic advisor to entrepreneurs navigating the SBA loan process. From the moment a client signs a Letter of Intent (LOI) and kicks off our process with a signed engagement letter, we work side-by-side with them through every step of the journey. Our team—drawing on backgrounds in commercial banking, private equity, and small business operations—takes a hands-on, detail-oriented approach to ensure smooth execution. We guide clients through lender matching, deal structuring, underwriting preparation, and post-approval coordination, remaining deeply involved through closing to help ensure their transaction succeeds within the SBA 7(a) framework.
Our Process - Credit Presentation Components
At the heart of our process is the development of a comprehensive, lender-ready credit presentation. Each deck includes:
A tailored Sources & Uses breakdown outlining the proposed capital structure.
A Historical Cash Flow Analysis that models what the DSCR ratios would be for the proposed acquisition based on modeling the pro-forma financing structure on the historical earnings of the business.
A detailed Industry Overview that contextualizes the acquisition within broader market dynamics.
A Borrower Fit Summary that articulates why the buyer’s experience is a strong match for the industry.
A Default Risk Assessment generated by our proprietary SaaS tool, which leverages historical SBA data and industry-specific benchmarks to evaluate the anticipated likelihood of default for the deal. This lender-facing analysis offers critical insight into deal risk by comparing your acquisition against historical outcomes in the same sector.
This institutional-quality approach allows our clients to present a well-structured, bankable story—reducing friction, shortening underwriting timelines, and elevating lender confidence.
Where We Deliver the Most Value
We focus on two areas where acquisition entrepreneurs are most likely to encounter delays, misalignment, or deal fatigue:
01
Faster Financing Proposals Through Precision Bank Matching
SBA lending is nuanced. Every bank has a unique credit box, evolving industry appetites, and differing tolerances for complexity. Wasting time with the wrong lender can cost you momentum—or the deal.
That’s why our approach is targeted and data-informed.
We match each transaction to the specific institutions best positioned to fund it—based on our understanding of lender behavior, up-to-date preferences, and long-standing relationships with SBA credit teams. Our outreach is direct and purposeful, resulting in faster term sheets, clearer feedback, and a materially higher likelihood of success.
02
Seamless Execution Through Proactive Post-Approval Coordination
Most financing breakdowns don’t happen at the LOI stage—they happen after the term sheet is signed, when buyers face a gauntlet of closing deliverables, lender requirements, and legal coordination.
We remain deeply involved all the way through closing.
Our team delivers a step-by-step pre-closing checklist aligned to your term sheet and lender expectations. We coordinate with sellers, attorneys, insurance providers, and SBA bank closers—ensuring the process is cohesive, compliant, and on track. From legal entity formation to document collection, we manage the operational details and eliminate guesswork—keeping your transaction moving forward with momentum and control.
When We Engage
Whether you’ve already signed an LOI or are actively sourcing deals, we align with where you are in the journey—providing the right level of strategic support, exactly when it’s needed.
We are most often brought in at the signed LOI stage, when due diligence begins and financing needs to be secured. At this point, we take full ownership of the capital raise—from lender deck development to outreach, negotiation, and closing support.
For buyers earlier in their journey, we also offer pre-LOI advisory under an exclusivity agreement. In exchange for a first look when you’re ready to secure financing, we provide upfront access to lender strategy, deal structuring feedback, and capital planning support—so you’re prepared to act decisively when a compelling opportunity arises.
How We’re Compensated
We operate on a success-based model—meaning we only get paid when your loan closes.
There are no upfront fees, no retainers, and no hidden costs. If your transaction doesn’t close, we don’t get paid. Our incentives are aligned with yours—period.
Let’s Close Your Deal—Together
Whether you’re under LOI or actively sourcing deals, Pioneer Capital Advisory exists to help you close SBA-financed acquisitions with professionalism, clarity, and speed.
We don’t just introduce you to lenders. We take ownership of the financing strategy—crafting a lender narrative, driving the process forward, and staying with you through closing. Our goal is to bring institutional rigor and white-glove responsiveness to the entrepreneurial acquisition process.
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