If you’ve found the perfect business to buy, the last thing you want is for the deal to slip away while your loan is still “in review.”
That’s what happens to many entrepreneurs relying on an SBA business acquisition loan.
While SBA loans can offer attractive rates and long repayment terms, they also move at a government pace — slow, methodical, and sometimes unpredictable. When the goal is to close before year-end, that delay can be devastating.
At Grammont Enterprises, we help business buyers skip the waiting game with fast, flexible private funding designed to get approvals in weeks, not months.
The Truth About SBA Business Acquisition Loans
The SBA 7(a) loan program is often promoted as the go-to choice for buying a business. It can fund up to $5 million and requires as little as 10% down — great in theory.
But here’s what borrowers often don’t realize:
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SBA loans require extensive documentation and personal guarantees.
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Applications undergo dual reviews — by both your lender and the SBA.
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Average approval times stretch 12–20 weeks, even longer during high-volume periods or government delays.
That means your dream acquisition could sit idle for months while you wait for funding — or worse, sell to someone else who can move faster.
The Private Funding Advantage
Private lenders like Grammont Enterprises operate at the speed of business. We evaluate deals based on merit, not bureaucracy. Our process is built to move quickly so you can secure your acquisition while others are still waiting for approval.
With private lending, you’ll get:
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Approval within days
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Funding in as little as 60 days
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No federal delays or SBA sign-offs
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Flexible qualification — even with complex structures
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No personal guarantee required
Whether your deal is $1 million or $50 billion, we help you close confidently — without the red tape.
The 90/10 Funding Model
Our exclusive 90/10 Funding Model makes business acquisitions even more achievable.
We fund up to 90% of your project cost, while you provide the remaining 10%. If you don’t have the full amount ready, we can help source or structure it through creative financing options.
This model gives you leverage without tying up all your capital — and without waiting on an SBA committee to decide your future.
Why Speed Matters in Q4
The final quarter is when serious entrepreneurs make their move. Sellers are motivated, buyers are eager to close, and tax advantages are on the table.
But those opportunities come with deadlines. An SBA business acquisition loan simply can’t move fast enough to capitalize on them.
With Grammont’s private funding solutions, you can close this year — not next quarter.
The Bottom Line
SBA business acquisition loans may promise lower rates, but in business, time is often more valuable than interest savings.
When every week counts, Grammont Enterprises gives you the speed, flexibility, and support you need to get the deal done.
Don’t let red tape cost you your next big move.