Lendway Capital Advisors

Profiter CPA Group
2625 Butterfield Road Suite 303W

We help deals get done. $400M+ in 3 years. SBA, USDA, Pari Passu, & Asset-Based Lines. We structure deals to close and we won't waste your time.

With the right people, partners & process, submissions move to close in 45–60 days—so your financing doesn’t sit on a desk. Whether you are expanding your existing business or acquiring a company or multiple companies, the LCA team has helped orchestrate over $400M in commercial transactions over the last 3 years. The procedures to process your or your client’s loans from submission to close shoul

09/10/2026

How do you finance a $10 million trucking company with no real estate?

In this acquisition, the answer was a Pari Passu structure built around the company’s cash flow.

The business had operated successfully for 30 years and included a fleet of refrigerated trucks, but no real estate component.

Here’s how the $10 million transaction came together:

• $5M SBA 7(a) loan
• $2.5M conventional loan in Pari Passu position
• $1M buyer equity
• $1.5M seller note

That provided $7.5 million in total loan financing over a 10-year period and allowed the buyer to acquire an established logistics company while the seller passed his life’s work to a legacy buyer.

For larger business acquisitions, reaching the SBA exposure limit does not necessarily mean the financing conversation is over.

Learn more about Lendway Capital Advisors’ Pari Passu structures:
https://www.lendwayca.com/

09/09/2026

For a $250,000 business acquisition loan, the lowest interest rate doesn’t necessarily tell you which structure costs less.

In this comparison, the SBA loan carries a 10% rate versus 15% for the Jumpstart Loan℠. But look beyond the stated rate:

• About $6,700 less in estimated closing costs
• About $15,800 less total interest over the stated loan term
• The acquisition loan is paid off 4 years sooner
• No collateral required under $375K with Jumpstart
• 10–15 business days to close versus 60–90 days in this SBA comparison

The tradeoff is a higher monthly payment because the Jumpstart structure amortizes the debt over 6 years instead of 10.

For smaller business acquisitions, that distinction matters. Smaller deals are often overlooked not because they are bad opportunities, but because many institutions are not built to handle them efficiently.

When the structure fits the deal, speed and ex*****on can become the advantage.

See more real-world acquisition financing structures and success stories:
https://www.lendwayca.com/commercial-lending-success/

09/08/2026

Smaller business acquisition loans can create some of the biggest financing headaches.

After 13 years in the industry, Lendway Capital Advisors has seen the same problem repeatedly with business acquisition loans under $375K.

Many banks simply do not want to take them on. The amount of underwriting and work required to properly structure and close the transaction can make smaller acquisitions unattractive to many financing sources. And when these requests are handed to less-experienced teams, the process can become even more difficult.

For business owners and brokers working on acquisitions in this range, finding the right financing path matters from the beginning.

Have an established business acquisition under $375K? Let’s talk.
https://www.lendwayca.com/

09/04/2026

FAQ: How quickly can a business acquisition loan close?

Lendway Capital Advisors aims to facilitate qualifying business acquisition closings within 45 days, with most transactions taking approximately 30 to 60 days from submission to closing.

Timing depends on the complexity of the acquisition, timely documentation, underwriting, third-party reports, and the responsiveness of buyers, sellers, brokers, legal counsel, and other parties involved in the transaction.

09/03/2026

Business brokers have several reasons to consider getting a listing SBA pre-qualified before putting it on the market.

Lendway Capital Advisors identifies three:

• Attract more potential buyers: Brokers can market the opportunity as an “SBA Pre-Qualified Listing” if they choose.

• Give buyers confidence: Pre-qualification can give potential buyers added confidence that financing may be available for the transaction.

• Speed up the sale: A high-level review of the business can identify issues that may need to be addressed or documented before the listing goes to market.

The idea is to do more of the financial review upfront instead of waiting until the transaction is already underway.

Learn more about Lendway Capital Advisors’ resources for business brokers:
https://www.lendwayca.com/business-brokers/

09/02/2026

Finding potential financing issues before a business is listed can help prevent those same issues from becoming obstacles later in the process.

Lendway Capital Advisors reviews the business financials as they relate to debt service and structure, including the recast and the add-backs being used. If something needs to be addressed or documented, it is better to identify it before the listing goes to market.

Review first. List second.

Learn more: https://www.lendwayca.com/business-brokers/

09/01/2026

A business pre-qualification can involve much more than putting estimated rates and terms on a piece of paper.

Lendway Capital Advisors provides business brokers with a detailed analysis of the business as it relates specifically to debt service coverage.

That review also includes the recast and the add-backs being used.

Why review the add-backs?

Because some add-backs may not be allowed by the funding source for cash-flow purposes. If those add-backs are being counted on for the current valuation, Lendway believes it is better to identify the issue upfront rather than later.

The analysis is then used to help facilitate a structure that can work based on the financial review.

Learn more:
https://www.lendwayca.com/business-brokers/

08/27/2026

An asking price and a financeable purchase price are not automatically the same thing.

Before bringing a business to market, brokers can benefit from testing the proposed purchase price against the company's actual cash flow and potential acquisition debt.

A pre-listing analysis can help determine whether the business appears capable of supporting the proposed financing structure. If the numbers work, the broker has additional information supporting the listing strategy.

If they do not, the broker can identify the issue before spending months marketing a business at a price that may create financing challenges for qualified buyers.

That is one of the biggest advantages of reviewing the financing math early: it gives the broker and seller time to make informed decisions before a deal is on the line.

Learn more about Lendway Capital Advisors' business broker resources: https://www.lendwayca.com/for-brokers/

08/26/2026

A business can show strong earnings and still have questions when it comes to acquisition financing.

One reason is that the cash flow used to value a business is not always identical to the cash flow that can be used for debt-service analysis.

Lendway Capital Advisors reviews the business financials, recast, proposed add-backs, purchase price, and debt service coverage to determine what the business may realistically be able to support.

That add-back review can be especially important. If an add-back being used to support the valuation cannot be utilized for financing purposes, it is better for the broker and seller to identify that issue before the listing goes to market.

Pre-qualification is about more than producing a loan amount. It is about understanding the financial reasoning behind the potential structure.

Learn more: https://www.lendwayca.com/for-brokers/

08/25/2026

Why wait until a buyer is under contract to find out whether the financing works?

Getting a business listing SBA pre-qualified before it goes to market can help a broker understand how much acquisition debt the business may be able to support, whether the cash flow works with the proposed purchase price, and whether there are financing concerns that should be addressed early.

That can mean fewer surprises once a buyer enters the picture.

It also gives brokers another way to present the opportunity to qualified buyers who want to understand whether the transaction appears financeable before investing significant time in due diligence.

Lendway Capital Advisors provides business brokers with a detailed debt service analysis and pre-qualification review at no cost.

Learn more: https://www.lendwayca.com/for-brokers/

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Location

Oak Brook

Telephone

+18476448085

Website

https://www.lendwayca.com/

Address

2625 Butterfield Road, Suite 126N
Oak Brook, IL
60523

Opening Hours

Monday	8am - 4pm
Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 4pm

Lendway Capital Advisors

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