SMB Edge

It's really hard to buy a small, cash flowing business!

Eligibility for SBA 7a Loan

American citizens and Green Card holders can access up to $5 million in SBA 7a loan debt, provided they and their business meet various qualifications such as background checks, credit checks, tax returns, and debt service coverage ratio requirements.

Lack of Investors

Historically, there have been no established institutional investors targeting SBA 7a loan-backed buyers of small to medium-sized businesses (SMBs).

Equity Injection Requirement

To secure this loan, applicants need to make a 10% or more equity injection into the business. This equity can come from third-party sources.

Emerging Opportunity

A new opportunity is arising in the market to cater to SBA 7a loan-backed buyers of SMBs, potentially attracting institutional investors to this niche sector.

Traditional Search is not the Answer

The traditional model targets $3M-10M EBITDA businesses, competing directly with Private Equity, without ability to leverage SBA 7a loans. Investors cover 2 years of living expenses for the searcher, with right to fund the target company if/when LOI is secured. This model doesn’t address the Silver Tsunami of SMB retiring owners.

Issues with Traditional Search

Buy a company but the searcher ends up making nothing themselves in the end.

Of searchers who succeed in buying a company fail to cover their otherwise promising opportunity costs as a top MBA.

of traditional searchers fail to acquire a company (wipe out for their investors).

Equity a traditional searcher ultimately owns, vs 75%+ with ETA (our model).

SMB Edge: Operational Support from Day One

Everything you need beyond capital to make your acquisition successful

Accounting and Bookkeeping

Accurate, real-time books built on a modern ERP stack—giving you visibility and confidence to run your business like a pro from day one.

Finance and Planning

Strategic forecasting, budgeting, and cash flow planning—delivered like a fractional CFO so you’re never flying blind.

Income Tax Filings

We handle all your federal and state income tax filings with speed and accuracy—no stress, no surprises.

Sales Tax Compliance

Stay fully compliant with multi-state sales tax regulations. We automate the process so you don’t have to think about it.

Complete infrastructure setup and management – reliable, secure systems without an in-house IT team.

Onboarding, payroll, benefits, compliance, and people systems. Everything you need to build and manage a great team.

Loan Brokering

We connect you with SBA-preferred lenders and guide you through the process to secure the best possible deal structure for your acquisition.

SBA Business Plan Writing

Bank-ready business plans that check every box. Fast, tailored, and designed to get your SBA deal approved.

If you'd like to learn more about SHV, or share a deal, please get in touch!

“Business is not a battle to be won but a puzzle to be solved.”

— Sam Zell