Who this is built for
Established, profitable small businesses that want long terms and low rates and can document repayment.
A transaction of this shape
Illustrative example, not a past transaction. A profitable logistics company wanted to buy out a retiring partner and add trucks — about $1,000,000 all in. Conventional banks balked at the goodwill. Our underwriting desk documented two years of filed returns and 1.4x global coverage, screened it against every SBA gate, and packaged it to a preferred SBA lender; it closed on a 10-year term at a fraction of short-term-debt cost.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- Credit 680+
- 2+ years in business (strong startups case-by-case)
- Global DSCR 1.15x+ on filed returns
- For-profit US business within SBA size standards
- ~10% equity injection on acquisitions/startups
What usually rules a file out
- Chronic operating losses on filed returns
- Over the SBA size standard / ineligible industry
- No repayment capacity (coverage under ~1.0x)
- Passive, non-owner-occupied real-estate investment
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Run an SBA payment →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- SBA Form 1919 and 413, completed by every owner of 20% or more
- An acquisition's letter of intent and the target's financials, where the use is a purchase
- Recent business bank statements
- The two most recent business tax returns, where the business has filed them
- A current profit & loss and balance sheet
- An accounts receivable and accounts payable aging
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Structuring certainty of close into an acquisition offer
Sellers don't always take the highest offer. They take the one they believe will actually close. Here's how to make yours that offer.
When asset-based capital beats a traditional term loan
A term loan is priced on your trailing financials. Asset-based capital is priced on what you own and what you're owed. Sometimes that difference is the deal.
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.