Five criteria decide whether an ecommerce acquisition qualifies for an SBA 7(a) loan. This page walks them one at a time — the same checklist a lender runs before issuing a commitment letter.
Five criteria a lender reviews before approving an SBA 7(a) acquisition loan. A business that clears all five is what we mean by "financing-ready".
SBA 7(a) underwriting looks for two full tax years of continuous operation under the current ownership. Younger businesses — even strongly profitable ones — will not qualify for SBA acquisition financing.
Projected debt-service coverage must clear 1.25× after the buyer's compensation. Lenders read two years of tax returns and current-YTD bank statements; margin compression or a bad quarter can disqualify an otherwise-viable deal.
The SBA 7(a) cap for most acquisition loans is $5M. Deals above that land in conventional commercial financing, SBA 504, or a mixed-financing structure with seller carry.
Tax returns, bank statements, merchant processor reports, and platform payouts (Shopify, Amazon, Stripe) all have to reconcile. Any material gap between reported revenue and deposits triggers additional underwriting review or a loan decline.
A single-channel Amazon FBA business is financeable; one where 70% of revenue depends on a single wholesale account usually isn't. Supplier, customer, and channel concentration are all reviewed at underwriting.
Most active listings don't pre-declare SBA status — assess eligibility in due diligence.
Financing makes larger acquisitions accessible. Instead of paying $500,000 in cash, you might only need $50,000-$100,000 down—and use the business's own cash flow to pay back the loan.
Not every business qualifies for financing. Lenders require consistent revenue history, profitability, and clean financials. We've done the pre-screening for you. Every business on this page meets basic lender requirements, saving you time and increasing your approval odds.
10-20% down, 10-year terms, best rates. Government-backed program for small business acquisitions.
Often 10-30% of price with flexible terms. Seller carries a note as part of the deal structure.
Faster approval, higher rates. Payments tied to monthly revenue performance.
SBA + seller financing for minimal cash outlay. Most common structure for deals $500k+.
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