Straightforward, respectful, and confidential.

How a transaction unfolds

From first conversation to close.

Every business and every owner is different, and we tailor the process to fit. The outline below reflects how a typical engagement progresses from introduction through to a closed transaction.

1. Introductory conversation

   Week 1 · 30 minutes

   A short call to understand your business, your goals, and your timing. No documents required and no obligation. If we are not the right buyer, we will tell you quickly and directly.

2. Confidentiality and initial financials

   Weeks 1–2

   We sign a mutual non-disclosure agreement and review summary financials — typically a three-year P&L and a short business overview. Information stays between us and our SBA financing partner under the same confidentiality.

3. Indication of interest

   Weeks 2–3 · Non-binding

   We share a non-binding IOI outlining proposed valuation, structure, and a clear path to closing. This is the moment to align on price and terms before either side invests further time and resources.

4. Letter of intent

   Weeks 3–5 · Binding exclusivity

   A definitive LOI confirms purchase price, structure, transition terms, and a diligence and closing timeline. The LOI grants a defined exclusivity period during which we commit our full resources to closing on the terms agreed.

5. Data room and lender term sheets

   Weeks 1–2 from signed LOI

   A secure data room is opened and populated under guidance from our financing partner. Within roughly two weeks of LOI signing, we typically receive several SBA 7(a) term sheets and select the lender best suited to the transaction.

6. Underwriting, QofE, and diligence

   Weeks 2–10 from signed LOI

   Bank underwriting proceeds in parallel with a third-party Quality of Earnings review and other diligence. Most of this work is conducted off-site by our advisors. Any seller-side engagement — meetings, document review, or operational questions — is coordinated with you in advance and scheduled to minimize disruption to your business and to your team’s awareness.

7. Bank commitment, closing, and transition

   Weeks 10–17 from signed LOI

   The bank issues its commitment letter, the closing process begins, and definitive documents are finalized. Most transactions close within 90 to 120 days of a signed LOI. A thoughtful transition begins at close — whether that is a clean handoff, a months-long advisory role, or a longer-term consulting relationship, designed around what works for you.

How we work

Principles we hold to.

A few commitments that shape every conversation, regardless of where a transaction ends up.

• Confidentiality All information is held in strict confidence. We do not discuss prospective transactions outside of our advisory team and SBA lender.
• Honesty on timing If we are not the right buyer, you will hear it from us quickly and directly. We will not waste your time with a slow no.
• No re-trading Price and terms agreed in the LOI are the price and terms we close on, absent a material, unforeseen finding in diligence.
• Respect for your team Your employees and customers are the foundation of what we are buying. Diligence is conducted with discretion and minimal disruption to the business.
• Flexibility on transition A few weeks, a few months, or a few years — we will build the transition around what works for you, your family, and your team.

Begin a conversation

A first call is the easiest step.

Whether you are a business owner thinking about the next chapter, or an intermediary representing one, a 30-minute introductory call is the best place to start. There is no documentation required and no obligation. All inquiries are reviewed personally and held in strict confidence.