Newly Listed Deals

Flooring Installation Business

• 📍 Location: Collin County, TX

• 💰 Asking Price: $495.0K

• 💼 Cash Flow: $301.9K

• 📊 Revenue: $1.0M

• ℹ️ Source: TWorld.com

• ⏰ Listed: 3 Days Ago

Overview: This flooring installation business operates in the Dallas-Fort Worth area and is known for its installation quality. The company has a 4.7-star Google rating based on over 60 reviews and maintains strong customer satisfaction. Past clients provide word-of-mouth referrals and serve as references. For 2024, the business generated $1.0 million in revenue with $301.9K in SDE. When excluding cash-paid projects, revenue was $832.0K with $205.0K EBITDA. The financials have been validated by a third-party accounting firm using bank statements. The current owner divides time between this business and other ventures.

Roofing & Siding Business

• 📍 Location: Tampa, FL area

• 💰 Asking Price: Not Disclosed

• 💼 Cash Flow: $2.4M

• 📊 Revenue: $18.3M

• ℹ️ Source: MurphyBusiness.com

• ⏰ Listed: 2 Days Ago

Overview: This residential roofing company operates in the Tampa Bay area and surrounding regions. The business generates $18.3 million in annual revenue with $2.4 million in discretionary earnings. In September 2024, the company acquired another roofing business which is performing well and contributing to growth. The business has nearly $3.0 million in work in progress and utilizes digital marketing platforms along with established training processes. The owner is open to staying for up to one year on a consulting salary but eventually needs to be replaced. An NDA and financial statements are required for additional information.

Car Wash & Gas Station

• 📍 Location: Nassau County, NY

• 💰 Asking Price: $800.0K

• 💼 Cash Flow: $250.0K

• 📊 Revenue: Not Disclosed

• ℹ️ Source: Businessmart.com

• ⏰ Listed: 2 Days Ago

Overview: This business combines a car wash and gas station in an affluent area of Long Island's North Shore. The owner is 95% absentee and the business generates $250.0K in cash flow. There are opportunities to increase sales through additional promotions and signage. The operation can be run by an active owner who could increase customer traffic. Seller financing is available at 50% of the purchase price. The buyer receives first right of refusal on the real estate.

Medical Transportation Business

• 📍 Location: Orlando, FL

• 💰 Asking Price: $2.2M

• 💼 Cash Flow: $603.4K

• 📊 Revenue: $2.2M

• ℹ️ Source: DealStream.com

• ⏰ Listed: 2 Days Ago

Overview: This non-emergency medical transportation company operates in Orlando, Florida, specializing in transport for individuals with mobility challenges or requiring medical assistance. The fleet consists of eight vans, with two wheelchair-accessible and six equipped with power stretchers. Services include transportation to doctor appointments, dialysis, physical therapy, hospital discharges, and family visits. The business operates 24/7, including evenings, weekends, and holidays. Clients include private pay customers, nursing homes, dialysis centers, and healthcare facilities. Since acquisition in 2021, the company has tripled in size through improved customer service and business strategies. The operation uses GPS tracking, fleet cameras, and Ride Genie software for management and billing. Seller financing available.

Commercial Plumbing and HVAC Company

• 📍 Location: New Jersey

• 💰 Asking Price: $16.9M

• 💼 Cash Flow: $4.0M

• 📊 Revenue: $13.6M

• ℹ️ Source: SynergyBB.com

• ⏰ Listed: 2 Days Ago

Overview: This commercial plumbing and heating company has operated for 30 years with hands-on management and experienced staff. The business serves retail, office, industrial, healthcare, public works, and institutional projects. Approximately 50% of work is prevailing wage contracts. The company is an approved vendor for all New Jersey public works and public school projects. Operations run from a 1,100 sq. ft. main office and 1,500 sq. ft. warehouse used for materials storage. The business owns seven company vehicles and equipment including new water and gas piping installations and large commercial plumbing services, with average project size of $150.0K. The company has established relationships with contractors and maintains financial independence.

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SBA 7(a) Loan Changes: New Rules Reshape SMB Acquisition Financing

The main news in SMB M&A this week was the announcement of SBA SOP 50 10 8, which takes effect June 1, 2025. This update brings significant changes to how deals are structured, particularly around equity requirements and seller participation. Let's break down what these changes mean for buyers and sellers in practical terms.

1. Rethinking the 10% Equity Requirement

Quick Example:
For a $4M purchase:
SBA loan: $3.6M (90%)
Required equity: $400K (10%)

The key change is that partial-standby notes will no longer count toward equity injection at all; only full-term standby notes will be eligible, and they remain limited to 50% of the required equity injection.

2. New Seller Guarantee Requirements for Partial Exits

If a seller will retains any ownership after closing, they must personally guarantee the entire loan for the first 24 months after closing. This used to only apply if the seller retained 20+% ownership.

Market Implications:

• Valuation Impact: Expect to see a pricing premium for transactions where sellers agree to retain minority stakes and accept the guarantee requirement

• Exit Strategy Shifts: Previously common minority retention structures will likely transform into either 100% clean exits or more complex earnout arrangements

• Structural Considerations: For multi-step partial ownership changes, the new entity must own 100% of the small business per SBA valuation limits

• Deal Complexity: The 24-month guarantee requirement changes the risk profile for sellers planning to maintain small equity positions

This shift particularly impacts strategic transitions where sellers previously had more flexibility. Deal parties will need to carefully evaluate the tradeoffs, with a new major huddle of getting the seller to offer a personal guarantee.

3. Franchise Registry Reinstatement

The new SOP reinstates the SBA Franchise Directory with streamlined procedures. SBA Franchise Directory inclusion is now a mandatory eligibility criterion for SBA financing. Franchises not listed must first apply to SBA to be included.

Industry Impact:

• Process Efficiency: Streamlined reviews for franchise deals that utilize directory-listed franchises

• Preparation Timeline: Franchisors will need to monitor SBA notices for specific certification deadlines

• Documentation Requirements: Standardized franchise agreements will facilitate faster approvals compared to the previous documentation-heavy approach

This represents a return to a more structured approach to franchise lending after the "do what you do" philosophy of recent years. Franchise buyers benefit from clearer guidelines, while SBA lenders gain more certainty regarding eligibility without extensive case-by-case reviews.

4. Credit-Elsewhere Analysis Now Explicitly Allows Global Cash-Flow

The SOP reinstates credit-elsewhere analysis but explicitly permits lenders to use global cash flow (outside income) in that test. The SOP explicitly authorizes SBA lenders to consider global cash flow, allowing buyers to leverage income from other businesses or investments during credit-elsewhere analysis.

Unlocking New Transaction Profiles:

• Previously Excluded Buyers: High-net-worth individuals with substantial assets but limited liquid capital now have a pathway to SBA financing

• Multi-Business Owners: Entrepreneurs with positive cash flow from other ventures can leverage that income to support new acquisition debt service

• Real Estate Investors: Passive property income can strengthen rather than hinder an application

About 22% of change-of-ownership applications in FY 2024 were declined solely on "credit elsewhere" grounds. The more holistic analysis approach could potentially reactivate many of these previously declined deals, provided they demonstrate adequate debt service coverage.

5. CPA-Prepared Financials as Alternative Documentation

When tax returns are "unavailable, incomplete, or not reflective," CPA-prepared or reviewed financial statements now satisfy underwriting requirements. The SOP explicitly permits these financial statements as an alternative when recent tax returns don't accurately represent current business performance.

Deal Structures Benefiting:

• Recent Carve-Outs: Business units separated within the last 6-12 months without standalone tax returns can now access SBA financing with proper CPA documentation

• Accrual/Cash Reconciliation: SaaS and subscription businesses where cash-basis accounting understates enterprise value can utilize accrual-based financials

• Rapid Growth Scenarios: Companies with substantial recent growth can document this performance through CPA statements rather than waiting for tax filing cycles

• Complex Ownership Transitions: Sole proprietorships converting to corporate structures mid-year gain clearer pathways to SBA financing

This documentation flexibility aligns with business performance realities, particularly in high-growth sectors where tax documentation may lag behind actual performance.

6. Who's Affected and How

Certain deal structures using partial-standby notes will need adjustment under the new guidelines. The market will likely see more creative earnout structures and clean exits as alternatives to traditional equity retention models.

Practical Takeaways

The SBA changes present both challenges and opportunities for dealmakers. Understanding these structural shifts allows for better planning and negotiation.

The rule changes represent more than just procedural updates – they signal a shift toward more standardized SBA-backed acquisition structures.

Forward-thinking dealmakers are already:

• Evaluating whether sellers will accept lifetime standby notes or if cash requirements will increase

• Developing alternative structures for sellers who wish to avoid the 24-month guarantee requirement

• Preparing for the return of the Franchise Directory system

• Exploring how the global cash flow analysis might benefit buyers with diverse income sources

• Requesting explicit standby terms be clearly documented in seller notes to ensure compliance

While some changes will require adjustment, they also establish clearer parameters for SBA financing. Those who understand these parameters will be better positioned to structure successful transactions.

Summary of Key Changes

• Equity Requirement: Seller notes must be full-term standby, limited to 50% of the required equity. Partial-standby notes disallowed.

• Seller Guarantee: Mandatory 24-month personal guarantee if seller retains any ownership.

• Franchise Registry: Mandatory Directory inclusion; streamlined approval.

• Credit Elsewhere: Global cash flow explicitly permitted.

• CPA Statements: Formalized alternative documentation accepted.

Disclaimer: This analysis provides general information only and is not legal or financial advice. As lenders develop their implementation policies and the SBA issues clarifications, always consult with qualified advisors on specific transaction structures.

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