The Deal Board

Getting Deals Done: All Cash or SBA - A Deep Dive into Your Options


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Andy and Jessica welcome you to another episode of The Deal Board Podcast. This week, they are joined by Marty Fishman and Tom Milana from Transworld Fort Lauderdale and David Moore from Acclivity Financial to explore how to get deals done. It's a competitive market for buyers right now, and if you have the finances for an all-cash deal, it might just give you the edge; it could even help you get a discount on your purchase! Tuning in, you'll hear about two successful cash deals, one for a FedEx route in Miami and another for a garbage shoot repair and maintenance business. Discover the benefits of a cash deal, like faster closing times and fewer complications, and what you can expect as a buyer or seller. To end, David Moore provides an update on the SBA loan process and the current state of financing. Tune in to learn how to find the best financing option for your business and get the deal done!

Listing of the Week:

An incredible opportunity to acquire two well-established home improvement businesses in eastern Pennsylvania, including real estate, is now available. No prior industry experience is needed, as both businesses have a strong, experienced team in place and outstanding local reputations. With seller discretionary earnings exceeding $850,000 on $3.2 million in sales for 2024 (and 2025 sales already up 10%), this is a profitable and growing operation. Priced at $2.5 million, the deal has already been pre-approved by multiple banks, making financing more accessible. For more information, call Gina Chapman at (804) 446-0345 or email [email protected].

Deal of the Week:

A niche trash and linen chute maintenance business has officially sold for $3.3 million! Listed in September, the deal faced an initial setback when the first buyer fell through, but persistence paid off. A strategic buyer stepped in, financing the real estate in cash and securing a business with strong financials, $665,000 in seller discretionary earnings on $3 million in revenue. With 6,000 active clients and over 300 service contracts, this business stood out as one of the only providers of its kind in the state. Thanks to solid financials and a smooth due diligence process, the final sale price held firm. To learn more, contact Jake Tobin at (954) 999-2233 or [email protected]. Key Points From This Episode:

• [02:28] Marty Fishman shares the details of an all-cash deal for a FedEx route in Miami.

• [04:01] The benefits of all-cash deals, including faster closing times and fewer complications.

• [07:43] Listing of the Week: Gina Chapman (Richmond Virginia) is selling two home improvement companies in eastern Pennsylvania.

• [08:57] Tom Milana on an all-cash deal for a garbage shoot repair and maintenance business.

• [12:02] How cash deals can save the buyer money.

• [14:12] Deal of the Week: Jake Tobin (Fort Lauderdale) successfully closed the sale of a niche trash and linen chute maintenance business for $3.3 million.

• [17:32] Some background on David Moore and Acclivity Financial.

• [20:40] The current state of deal flow and financing.

• [23:38] A breakdown of Acclitivity Financial's offerings as an SBA lender.

• [25:34] Predictions for market growth, younger buyers, SBA loans and more.

• [31:27] What to expect from Acclivity's USDA lending and SBA programs.

• [34:06] Parting advice for entrepreneurs in the current economy.

Links Mentioned in Today's Episode:

The Deal Board Podcast

Subscribe to The Deal Board Podcast YouTube Channel

The Deal Board on LinkedIn

The Deal Board on Facebook

United Franchise Group

Transworld Business Advisors

Transworld on Linkedin

Transworld on Facebook

Call us on (888) 719-9098

Email us at [email protected] Marty Fishman

Gina Chapman

Tom Milana

Jake Tobin

David Moore

Acclivity Financial

#thedealboard #transworldbusinessadvisors #businesssales #businessexit

Quotes:

"Typically we see sellers having to take 20% of a discount on an all-cash deal, and once again, it just takes one of the processes out of the deal, and you can move up the timeline all the more." — Marty Fishman [0:05:01]

"These buyers are paying 10 to 12% interest rates. A deal this size would have been a $50,000 plus closing fee to the lender. They're saving a fortune by paying cash." — Tom Milana [0:12:28]

"I'm surprised by – the money that these younger [people] are making. – And they don't want to give it up, but they want to start their own business. – They just don't want to have one location. They want to have several." — David Moore [0:26:38]

"The nice thing is, the SBA sets all the rules, and it's supposed to be a level playing field, so it comes down to execution, and we're comfortable with where we are in our space and what we're doing." — David Moore [0:33:24]

"From an entrepreneur standpoint, I think that people just need to decide what they really want to do. What are they passionate about? You don't necessarily have to buy a business. You could start one up. There's franchises, there's a variety of avenues." — David Moore [0:31:20]

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The Deal BoardBy Andy Cagnetta & JT Tatem

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