The SBA-Killer: Buying a Business When the Seller's Tax Returns Are Messy
When main street sellers hide income, traditional banks run away. Learn how to use our capital and an unaudited P&L to close the acquisition anyway.
Main street business owners notoriously run personal expenses through their companies to minimize tax liability. It is a common survival tactic, but it creates a massive roadblock when it is time to sell. When their tax returns show zero profit, traditional SBA 7(a) or 504 financing for the buyer dies on the underwriter's desk.
The bank sees a business that doesn't make money. The buyer sees a business crippled by tax-avoidance strategies, but highly profitable in reality.
CFGX provides the ultimate SBA-killer capital. We ignore the tax returns entirely. If the target business owns its real estate (Owner-Occupied Commercial), we finance the real estate acquisition based strictly on the asset and the unaudited P&L of the operating business.
The buyer sets up an OpCo/PropCo structure—the Business pays rent to their own Real Estate LLC. We fund the transaction. No personal financial statements. No tax returns. No DSCR ratio. Qualify once. Done for 30 years.
Stop letting messy seller tax returns kill your acquisitions.
Text 'ACQUIRE', the property address, and loan amount to Scenario Desk at 332-241-8100.
