Lender-Ready SBA 7(a) and Bank Loan Preparation for Founders and Internal Buyers

Aurora Business Group (ABG) helps founders, management teams, and internal buyers prepare lender-ready SBA 7(a) and local bank loan packages for management buyouts, minority equity sales, and ownership transitions.
We align financials, structure, and leadership readiness so lenders can clearly assess repayment ability and risk.

Structured for SBA underwriting • Designed for bank approval • Built to protect cash flow and continuity

Why SBA and Bank Loans for Buyouts Often Fail

Many management buyouts and internal transitions fail to secure financing because the package is incomplete or misaligned with lender expectations.

Common Funding Problems

  • Financial statements do not reconcile with tax returns
  • Projections lack clear assumptions and downside scenarios
  • Working capital needs are underestimated
  • Leadership roles after closing are unclear
  • Governance and decision rights are undocumented
  • Debt service coverage is strained by deal structure

How ABG Solves This

ABG prepares loan packages that answer lender questions before underwriting begins, reducing delays and declines.

Why SBA and Bank Loans for Buyouts Often Fail

Common Funding Problems

Many management buyouts and internal transitions fail to secure financing because the package is incomplete or misaligned with lender expectations.

  • Financial statements do not reconcile with tax returns
  • Projections lack clear assumptions and downside scenarios
  • Working capital needs are underestimated
  • Leadership roles after closing are unclear
  • Governance and decision rights are undocumented
  • Debt service coverage is strained by deal structure

How ABG Solves This

ABG prepares loan packages that answer lender questions before underwriting begins, reducing delays and declines.

Underwriting

Service Focus: Underwriting Narrative and Repayment Story

Purpose: Alignment the financials with a defensible repayment narrative.

  • Debt service coverage explanation
  • Sources and uses clarity
  • Customer concentration mitigation
  • Transition continuity and risk controls
  • Phased execution milestones

Key Outcome:

Lender-defensible underwriting narrative

Evaluation

Service Focus: Funding Readiness Assessment

Purpose: Evaluation whether the transaction is financeable.

  • Deal structure and cash-flow impact
  • Buyer readiness and leadership depth
  • Financial reporting quality
  • Documentation gaps and timeline risks

Key Outcome:
Funding Readiness Score and action plan

Bank Selection

Service Focus: Small-Business-Friendly Lender Introductions

Purpose: Once the package is ready, we introduce lenders

  • Experienced with SBA 7(a) loans
  • Comfortable with management buyouts
  • Familiar with internal ownership transitions
  • Aligned with realistic borrower expectations

Key Outcome:
Warm lender introductions and meeting preparation.

Loan Package

Service Focus: Lender-Ready Loan Package Assembly

Purpose: Organizing a complete SBA or bank loan package

  • Executive summary and transaction overview
  • Three years of business tax returns
  • Year-to-date financial statements
  • Addbacks and normalization support
  • Debt schedule and working capital analysis
  • Use of funds and sources of capital
  • Financial projections with assumptions
  • Ownership transition and governance plan

Key Outcome:
Clean, underwriting-ready loan package

Success & Continuity

Service Focus: Closing and Post-Close Stability Support

Purpose: Protecting the business after closing.

  • Cash-flow and covenant tracking
  • KPI and governance cadence
  • 90-day post-close execution plan

Key Outcome:
A transition that performs after funding closes

How Clients Typically Engage Aurora Business Group

The ABG Expert Team Advantage

ABG coordinates the professionals lenders expect.
We do not replace your advisors—we integrate them into a coherent financing strategy.

  • Business operators and transition leaders
  • Accountants and financial reporting specialists
  • Valuation and deal-structure advisors
  • SBA and bank funding specialists
  • Legal professionals safeguarding ownership transfers