Computing Adjusted Net Income For SBA Loan Financing

Today's SBA Loan Tip For Small Business Loan Purchase Financing:

Computing Adjusted Net Income For SBA Loan Financing Is Different Than Your Basic Cash Flow

Computing adjusted net income for SBA loan financing purposes is very different that what a business broker or owner would utilize to sell a small to mid-sized business. Most business brokers and owners are very aggressive on "add-backs" to compute adjusted net income to justify a higher price on the business being sold. However, SBA lenders typically utilize the basic add-backs since they are more conservative that business brokers and small business owners. In doing so the price of the business is also adjusted in th eyes of many SBA lenders.

Today's Featured SBA Loan Pre-Qualified Small Businesses For Sale:

1. Twin Cities, Minnesota based Pizza Shop Business For Sale With Real Estate -  Great Business For A Buyer Looking For Growing Sales.. Pizza Man Restaurant For Sale With Real Estate. This Is A Great Business For A Buyer Looking For Growing Sales And Profits Along With The Equity That Comes With Owning Your Own Real Estate. The Seller Also Does 15% - 20% Of His Business In Broaster Chicken And Has A Variety Of Other Menu Items Suitable For The Entire Family. The Business Is Located Just Over The Border In Western Wisconsin And Would Be A Great Buy For Anyone Considering Getting Into Their Own Business. Along With Great Equipment The Store Has A State-Of-The Art Point-Of-Sale Computer System And High-Speed Credit Card Processing Machine. The Seller Is Willing To Finance A Qualified Buyer On Both The Real Estate And Business Along With Offering All The Training A New Buyer Needs To Succeed. Deal Structure: Price: 415,000, Adjusted Net: 89,575. For details go to:  http://www.usabizmart.com/businesses/111267.php

2. Central New Jersey, based Printing Center Listing Opportunity For Sale - The Goal Is Providing Quality Full Service Prepress And Printing Production!. Its Goal Is Providing Quality Full Service Prepress And Printing Production To Meet The Needs Of Its Varied Customer Base. The Company Offers Up To Six Color Printing Along With Graphic Design Services To Provide Advertising Materials, Brochures And Related Collateral Materials, Direct Mail Pieces, Annual Reports, Stationary Packets, And Other Printing Needs. The Production Is Done Utilizing In House Personnel And Equipment. It Is Sheet Fed Printing With Computerized Direct To Plate With Complete Prepress And Bindery Services. The Customer Base Is Comprised Primarily Of Small To Large Corporate End-User Clients. The Main Industries Are Healthcare, Entertainment, Manufacturing And Advertising Agencies. There Are Approximately 250 Active Customers With The Majority Located Within A 30-Mile Radius Of Its Central New Jersey Facility. No One Customer Accounts For More Than 12% Of Gross Revenue. Employee Retention Has Been Excellent, As The Majority Of The Personnel Have Been Employed On A Long-Term Basis. The Business Operates Five Days Per Week. Currently The Owner Wishes To Pursue Other Interests And Is Seeking Deal Structure: Price: 1,800,000, Adjusted Net: 205,000. For details go to:  http://www.usabizmart.com/businesses/111337.php

* Note: These businesses have been business pre-qualified only - buyers of these businesses will also have to be pre-qualified - before SBA loan business purchase financing may be obtained. Approximately 32 different factors (buyer/seller info) are evaluated in the SBA loan process for business purchase loan financing.

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