QUIGLEY BUSINESS CAPITAL
SBA & ACQUISITION LOAN BROKERAGE

Financing for buyers of small businesses.

You found the business and signed the LOI. We underwrite the deal, package it the way lenders want to see it and run a competitive process across SBA and conventional lenders. Then we negotiate the best terms on your behalf and move quickly, so your deal closes on schedule.

Start a deal See how it works

No upfront fees. You pay only if your loan closes.

What we need to get started

  • Signed or draft letter of intent
  • Target business financials: income statements, cash flow statements, balance sheets and tax returns for the last 12 months, ideally the last 3 years
  • The seller’s CIM, if one was provided
  • Any pro forma or forecast from the buyer or seller
  • Your resume and personal financial statement
  • Proposed structure: equity injection, seller note, working capital

Don't have it all yet? Send what you have and we'll tell you what's missing.

Who we work with

Individual buyers

First-time and repeat owner-operators acquiring an established business with an SBA 7(a) loan, seller note or other debt financing.

Searchers & independent sponsors

Search funds and independent sponsors who need senior debt lined up quickly once a deal is under LOI.

Business brokers & advisors

Sell-side brokers and M&A advisors who want their buyers financed so deals don't fall apart before closing.

HOW IT WORKS

From signed LOI to funded loan

  1. 01

    Underwrite the deal

    We review the target business’s financials, normalize cash flow and test debt service coverage before a lender ever sees it.

  2. 02

    Build the credit package

    A lender-ready memo with the loan request and target capital structure, our pro forma model, forecast and valuation, the seller’s CIM, and the buyer team’s personal financials and experience.

  3. 03

    Run a targeted, competitive process

    We take your deal to SBA and conventional lenders we have working relationships with, chosen for fit with your deal rather than a mass blast, then put the term sheets side by side for you.

  4. 04

    Manage it to close

    We negotiate terms on your behalf and field lender questions, underwriting requests and closing conditions, so you can stay focused on the business and the purchase.

FINANCING

The right loan for the deal in front of you

We are an independent broker, not a lender, so we aren't pushing one bank's product. We match the structure to the business.

SBA 7(a) acquisition loans

The standard tool for buying an established business, with loans up to $5 million and long amortization.

SBA 504 with real estate

When the business owns its building or you're buying the property too, structured alongside the acquisition loan.

Conventional cash-flow loans

Bank and non-bank senior loans for larger deals or buyers who don't fit the SBA program.

Partner buyouts & recaps

Financing to buy out a partner or refinance acquisition debt once the business has seasoned.

ABOUT

Credit experience on your side of the table

Quigley Business Capital was founded by Jabari Quigley. He started his career at a credit-focused hedge fund, underwriting and managing CLOs, opportunistic credit and private debt, before moving into capital markets brokerage, placing debt and equity financing across real estate asset and transaction types nationwide.

Jabari runs every engagement with transparency, efficiency and integrity. He knows the current lending environment and what lenders need to see, so he frames and pitches each loan request in a way that gets taken seriously and earns competitive terms.

No upfront fees

Our fee is paid at closing. If the loan doesn't close, you owe nothing.

Fully disclosed

On SBA loans, our compensation is disclosed to you and your lender on SBA Form 159.

Independent

We work for you, not for any one lender.

Refer a deal

Know a buyer who needs acquisition financing? Business brokers, advisors, attorneys and CPAs can send deals our way. We handle the lender side and keep you updated through closing.

Refer a deal
START A DEAL

Tell us about the business you're buying

We'll reply within one business day with a read on financeability and what we need next.

jabari@quigleycap.com Miami, Florida