# EBIT Community

> Join our community of entrepreneur looking to buy a business. Get insights, deals, and connections, right to your inbox.

This file provides information about EBIT Community to help large language models understand and reference this publication's content.

## Posts
- [Why Acquisition Deals Die in Underwriting](https://ebitcommunity.com/p/why-acquisition-deals-die-in-underwriting): A signed term sheet is not an approval. Here are the underwriting issues that kill acquisition deals and how to catch them before they cost you months.
- [Newsletter 72](https://ebitcommunity.com/p/newsletter-72): 9 new deals this week: an SBA-prequal Twin Cities landscaper at $1.3M cash flow, a 98% recurring agency, a 55-year absentee equipment dealer, a 76-year printer, plus asset sale vs. stock sale
- [Asset Sale vs. Stock Sale: How to Structure a Small Business Acquisition in 2026](https://ebitcommunity.com/p/asset-sale-vs-stock-sale-business-acquisition-2026): Which purchase structure fits your deal, what each one costs in taxes and risk, and what your LOI needs to say about it
- [Newsletter 71](https://ebitcommunity.com/p/newsletter-71): 9 verified deals this week: an auto shop with $1.6M of real estate, Orangetheory studios, a 240-ATM route, a 48-year municipal engineering firm, and a 1.5x disaster services company.
- [SBA Loan Collateral Requirements in 2026: What You Actually Pledge When You Buy a Business](https://ebitcommunity.com/p/sba-loan-collateral-requirements-2026): What secures a 7(a) acquisition loan, when your house enters the deal, and what you can negotiate before you sign.
- [Newsletter 70](https://ebitcommunity.com/p/newsletter-70): 7 newly listed deals this week: a 46-year door and hardware company with real estate, an SBA-preapproved Vegas transportation company, a 45-year stone supplier, a Long Island CPA firm, and more. Every figure was checked against the current listing page.
- [Community Spotlight: Joshua Thacker, Searcher OS](https://ebitcommunity.com/p/community-spotlight-joshua-thacker-searcher-os): The solo founder building an operating system for acquisition entrepreneurs
- [Newsletter 69](https://ebitcommunity.com/p/newsletter-69): 5 deals this week: SBA-prequalified FL refrigeration with a $452K seller note, a $1.56M SDE fencing contractor, a 60-year metal hose maker with real estate, and a NYC printer at 1x revenue.
- [How to Use Your 401(k) to Buy a Business: Rollovers as Business Startups (ROBS)](https://ebitcommunity.com/p/robs-401k-buy-a-business): The mechanics, real costs, SBA equity-injection rules, and the risk most buyers miss: putting your retirement, income, and personal guarantee behind the same company
- [Newsletter 68](https://ebitcommunity.com/p/newsletter-68): Eight deals this week: a 54-year rep firm at $1M cash flow, a greenhouse with $1.67M of real estate, a 29-year Florida primary-care practice, and a 24/7 NYC tow network on municipal contracts.
- [SBA Loan Down Payment Requirements in 2026: What Counts as Equity Injection](https://ebitcommunity.com/p/sba-loan-down-payment-equity-injection): The 10% rule, what qualifies, what quietly disqualifies you, and the standby seller note that can cut your cash at closing in half
- [Newsletter 67](https://ebitcommunity.com/p/newsletter-67): 8 fresh deals this week: a semi-absentee patented eCom brand, a $40M-backlog NYC contractor, a 40-year electrical testing firm, and a 23-year aging-in-place remodeler.
- [How to Read a Confidential Information Memorandum Before You Submit an LOI](https://ebitcommunity.com/p/how-to-read-a-confidential-information-memorandum-as-a-buyer): The CIM is the seller's sales document. Here is how to read it like the lender who will underwrite your deal, before you commit to a price.
- [Newsletter 66](https://ebitcommunity.com/p/newsletter-66): 8 deals this week: a $2.8M-cash-flow Florida orthopedic practice, an auto shop with real estate, an AI wholesaler at 1.2x, an SBA pre-qualified ABA clinic, and a 30-year Texas homebuilder.
- [SBA Loans Don’t Prohibit Working Capital True-Ups](https://ebitcommunity.com/p/sba-working-capital-true-ups): The real issue is drafting them so bank counsel can approve the structure without questioning the buyer’s required equity injection.
- [Newsletter 65](https://ebitcommunity.com/p/newsletter-65): 7 verified SBA deals this week: 32-year Brooklyn lighting supplier, 40-year Florida roofer, semi-absentee Minnesota home care, GM-run Kansas City towing, and a 1.3x Seattle remodeler.
- [Why first-time buyers don't close, and what the advice gets wrong](https://ebitcommunity.com/p/why-first-time-buyers-don-t-close-and-what-the-advice-gets-wrong): Most first-time buyers are told to niche down, go off-market, automate outreach, and “just find a good deal.” But for self-funded buyers, much of that advice is incomplete — and sometimes backwards. Here’s what actually improves your odds of closing.
- [Newsletter 64](https://ebitcommunity.com/p/newsletter-64): 8 deals this week: a 34-year NY energy company with 53% contracted revenue, an SBA-prequalified Shark Tank brand, a licensed CA engineering firm at 2.4x SDE, and a 40-year towing fleet.
- [Debt Service Coverage Ratio (DSCR): The Number That Can Make or Break Your Deal](https://ebitcommunity.com/p/debt-service-coverage-ratio-dscr-the-number-that-can-make-or-break-your-deal): A business can look like it covers debt at 1.9x and still underwrite at 1.3x — or fail entirely. The gap is usually buyer salary, capex, and add-backs the lender may not credit.
- [Newsletter 63](https://ebitcommunity.com/p/newsletter-63): 9 SBA-ready deals this week: a 24-year cell-tower contract, a 100-year industrial distributor at 2x, an absentee-run specialty pharmacy, plus facility services, distribution, and freight.