SBA 7(a) Lending
Our Approach
Legatum specializes in SBA 7(a) lending and consulting for business owners, investors, and entrepreneurs seeking smart, flexible financing. The SBA 7(a) program is one of the most powerful tools available for business acquisitions, commercial real estate, partner buyouts, and growth capital—offering competitive rates, long amortization periods, and lower equity requirement.
Our SBA 7(a) Services Include:
SBA Loan Structuring & Strategy
Business Acquisition Financing
Commercial Real Estate (Owner-Occupied)
LOI Review & Deal Optimization
Buyer & Seller Pre-Qualification Letters
SBA Eligibility & Readiness Consulting
We don’t just help you get approved—we help you structure deals that support long-term profitability and create a lasting legacy for your family.
Buy an Existing Business
Flexible Financing for Business Acquisition
Acquiring an established business is one of the fastest paths to ownership and cash flow. Through SBA 7(a) business acquisition loans, buyers can often finance up to 90% of the purchase price, preserving capital while maximizing leverage.
Acquisition Support
Legatum guides buyers through every stage of the acquisition process — from evaluating opportunities to structuring SBA-compliant deals that lenders approve.
Acquisition Support Includes:
SBA eligibility analysis
Cash flow and underwriting preparation
Seller note and equity structuring
Lender coordination and closing support
Commercial Real Estate
SBA Financing for Owner-Occupied Real Estate
SBA 7(a) loans allow business owners to purchase or refinance commercial real estate with long-term financing — often up to 25 years — while maintaining working capital. Ideal for offices, retail spaces, warehouses, and mixed-use owner-occupied poperties.
Mary Soldano, one of the nation’s top Small Business Administration 7(a) lenders, leads our lending efforts with deep expertise in business acquisition financing. Through our partnership with Truliant Federal Credit Union—one of the country’s largest and most respected credit unions—we help buyers secure the capital needed to acquire small businesses and build long-term, generational wealth. Truliant provides the lending strength, stability, and national reach that allow us to support entrepreneurs through every stage of the acquisition process.
Pre-Qualification Letters
Buyer & Seller Pre-Qualification Letters
Pre-qualification letters strengthen credibility, helping buyers prove readiness and sellers identify serious counterparties—streamlining and accelerating deals. Backed by the SBA 7(a) program, they reflect key borrower qualifications and support access to flexible, long-term financing.
Business & Financial Qualifications
Strong historical cash flow capable of supporting loan repayment
A Debt Service Coverage Ratio (DSCR) that comfortably covers the loan payments
A clear ownership transfer as part of the transaction
Must qualify as a small business under SBA size standards and operate as a for-profit company in the United States
Borrower Qualifications
Good personal credit history (generally a score of 680+ is preferred)
Relevant industry or management experience
A personal equity injection (typically 10–15% of the purchase price)
Strong financial profile, including manageable personal debt
U.S. citizenship or permanent residency
Contact us
Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!
Phone: (443) 603-7081
Email: Mary@legatumfamiliae.com