Section 1
Cash and negotiation
Understand what speed and fewer financing conditions may change, and what cash does not solve.
Course
Financing and closing
Cash, SBA 7(a) and seller financing, and the document package a bank will actually approve.
Course purpose
Who this course is for
This course is for a buyer whose target has survived diligence and now needs a financeable sources-and-uses plan. It also helps earlier buyers understand what lenders and advisers will need before they choose a deal structure.
Cash, lender financing, and seller financing change more than the payment schedule. They affect timing, guarantees, negotiation, available working capital, documentation, and who remains exposed after closing.
The course explains how to assemble a coherent acquisition file: buyer information, business records, normalized earnings, projections, sources and uses, working-capital needs, and unresolved conditions. It distinguishes federal program rules from a participating lender's additional credit policy.
SBA guidance and lender requirements change. The course directs students to confirm the governing version and obtain current written requirements from the lender and qualified advisers. It does not promise approval or treat one prior transaction as a universal checklist.
A complete funding plan also identifies timing dependencies before closing. The buyer can then see which approval, document, cash contribution, insurance item, or third-party decision could delay the handoff.
Course outcomes
What you should be able to do
- Compare acquisition financing paths by cost, timing, risk, and control.
- Build a complete sources-and-uses statement including working capital and fees.
- Organize the documents supporting the buyer, business, and repayment analysis.
- Prepare the funding and closing handoff without assuming approval.
Section 2
SBA 7(a) financing
Review the program structure, current-authority checks, lender role, guarantees, and repayment analysis.
Section 3
The lender package
Organize the business, buyer, projection, and use-of-funds documents into one consistent file.
Section 4
Seller financing
Evaluate note terms, senior-lender conditions, payment capacity, and continuing seller exposure.
Section 5
Funding and close
Track conditions, working capital, agreements, approvals, and the operational takeover sequence.
Inside LearnHouse
The course deliverable
The paid course includes a financing-plan structure, sources-and-uses worksheet, and lender-document organizer. Current legal, tax, lending, and program requirements must still be confirmed for the transaction.
Before you start
Complete Due Diligence or bring a verified target, a written deal structure, and enough information to support normalized cash flow.
Continue the work
Related guides, tools, and courses
Current SBA 7(a) requirementsReview the version-dated public guide before relying on a structure.Seller financing guideUnderstand note mechanics and questions for advisers.DSCR calculatorTest whether normalized earnings cover proposed debt.Items for the lenderEvery Market Scout memo ends with the trade-area items a lender package needs, with sources.
What you are and are not buying
Before you open a course you can have all of your money back, for any reason. Opening it delivers it, and after that the purchase is final.
That guarantee covers the instruction. It does not cover whether you buy a business, or what any business you buy earns or sells for. Nobody can honestly promise that, and anyone who does is selling you something.
There is no time limit on the first half of that and no exception to the second. Open nothing and ask, and you get everything back. Open it and it is yours.
Results vary. Nothing here is financial, legal, or tax advice.