Today’s Commercial Financing Tip: Reason For Denial – The loan on a business is just as dependent on the buyer as it is on how the businses is doing. Even a profitable business cannot be financed if the potential borrower’s personal needs exceed the income generated by the business’s cash flow.

Today’s Listings Pre-Qualified For Business Acquisition :

1. Utah based advertising agency business for sale – Established in 1994, this full service advertising agency provides innovative creative services, media, and printing. They have built an enviable national client base of national and regional brands, which they service from offices in the intermountain west and southeast. Gross profit has risen every year since 2002, and is poised for continued growth. Long term, well established relationships with both employees and clients are key value drivers for the company, and the principals are committed to remaining involved post transaction to insure these relationships stay in place.

Since 2005,they have been focusing on improving gross margins and increasing profitability. While revenues are subject to clients’ budgets and have declined over the last few years, the company has improved its gross margins, from 37% in 2005 to 61% in 2007. Adjusted ebitda growth has followed suit, increasing from 11% of sales in 2005 to 26% in 2007. Deal Structure: Price: $1,500,000, Adjusted Net: $512,377.

2. Sacramento based health club opportunity for sale – Here is an opportunity to become part of the growing health & fitness industry. This health & racquet club has it all! Tennis courts, racquetball courts, certified personal trainers, fit for life programs, over 45 group exercise classes per week (including group cycling, yoga, Tai Chi, body sculpting & toning, Karate, circuit training and water aerobics to name a few) indoor and outdoor swimming pools, childcare facilities, message therapy, dry heat saunas, social events and parties for it’s members, health & fitness seminars, pilates reformers, snack bar, summer day camps, lockers rooms, cardio equipment, as well as the weight and exercise equipment areas. This club is in a community that has a built-in customer base and very little competition. The seller has been running this club absentee and has a general manager on site to oversee the facilities and programs. This is a very exciting opportunity, and won’t last long. Deal Structure: Price: $982,126, Adjusted Net: $284,065.

* 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.