Pioneer Capital Advisory LLC
@PIONEERCAPADV
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Pioneer Capital Advisory LLC is a full service SBA loan brokerage firm dedicated to business acquisition financing for entrepreneurs
Wisconsin, USA
Joined October 2022
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We are here to help you find your American Dream
Please feel welcome to reach out via email to matthias
@pioneercap
.com if we can help you secure SBA 7(a) financing for your business acquisition
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💥Pioneer Capital Advisory LLC is excited to announce 2 loan approvals today for a returning client - both for HVAC acquisitions 💥 1/x
#sba
#smb
#acquisitions
#entrepreneurs
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💥
@PIONEERCAPADV
is excited to announce another deal approval 💥
Facility A: $1.5 million SBA 7(a) loan
➡️ Acquisition loan
➡️ 90% bank financing
➡️ 5% seller full standby note
➡️ 5% buyer cash
Facility B: $150K SBA Express Line of Credit
#sba
#acquisitions
#entrepreneurs
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This was a great one to get closed!
The entrepreneur went from being a W-2 employee to chasing the American Dream as an SMB owner 🇺🇸🦅
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We are currently seeing more clients utilizing a larger portion of seller financing including seller note on full standby to compensate for higher interest rates with the rising interest rate environment.
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The self funded search space is on fire. Confirmed at the
@HarvardHBS
ETA pre conference happy hour.
As a self-funded searcher entering the ETA space, you may wonder what bank offers the best financing terms for your acquisition. 1/x
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Working with business buyers like Joe Foster that are hardworking and want to help with growing the trades (roofing) is inspirational
Joe was a very organized client through all aspects of the deal process, diligently working on his closing checklist and worked to overcome some
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Ranking on Google in Madison, WI ahead of banks for SBA loans. LFG 🔥💪
#sba
#smb
#acquisitions
#entrepreneurs
#businessowners
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Heading into underwriting in the next week with a top nationally ranked SBA lender!
Excited to collaborate on this deal with
@Eli_Albrecht
(
@smblawgroup
) &
@Chris_CayneQofE
(Cayne Crossing)
#sba
#smb
#acquisitions
#entrepreneurs
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We are here to help you are a prospective client with accomplishing a smooth financing process for your business acquisition.
Interested in connecting?
Please reach out to matthias.smith
@pioneercapitaladvisory
.com
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It might be 9:45 pm but
@PIONEERCAPADV
is working on negotiating term sheets. This is what you sign up for when you work with us - our grind is 2nd to none!
#sba
#smb
#acquisitions
#entrepreneurs
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In the last 48 hours, PCA has connected 2 SMB searchers with potential sources of capital.
If you have a deal nearing LOI and need to round out your cap table, please feel welcome to DM me. Glad to facilitate introductions.
#sba
#smb
#acquisitions
#entrepreneurs
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2 weeks ago
@PIONEERCAPADV
helped a client with acquiring a commercial HVAC company in Nevada.
➡️ 90% bank financing
➡️ 5% equity injection
➡️ 5% seller note on full standby
PCA is dedicated to helping self-funded searchers pursue the American Dream
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We are currently working with everyone from a 23 year old buying a commercial landscaping business to a mid career professional buying a furniture manufacturing company
Sponsors in the ETA space come from all walks of life and we are here to help them navigate the SBA
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Gap equity: what is it and how can
@PIONEERCAPADV
potentially help you
➡️ You're a self-funded searcher looking to buy an SMB & need to round out your cap table
➡️ PCA is in constant communication with prospective SMB investors looking to deploy capital into deals. 1/x
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As a searcher or independent sponsor, one of the best ways to get started in the ETA space is by attending conferences to meet lenders, service providers, operators, and other searchers.
The conferences typically consist of both panels and in-person networking
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The lenders that we work with understand that not every deal underwrites at 1.50x DSCR and that some deals have more favorable economics with the full standby seller note.
They also understand buyers have optionally in the market to finding the lender best suited to their needs
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There has never been a better time to buy a small-to-medium sized business 💥
The 'Silver Tsumami' is in full force 🌊
By 12/31/2022,
@PIONEERCAPADV
will help 10 self-funded searchers close on business acquisitions. 1/x
#sba
#smb
#acquisitions
#entrepreneurs
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@PIONEERCAPADV
will help at least 10 self-funded searchers close on SMB acquisitions by 12/31/2022.
Your deal could be next.
1/x
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Getting that signed LOI after working on your self-funded search for months. Cheers to the next generation of small business owners 💥🍾
#sba
#smb
#acquisitions
#Entrepreneurs
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@PIONEERCAPADV
is dedicated to helping entrepreneurs finance their roll ups like the ones
@ConnorAbene
describes below- currently working on several of these.
Lets connect to discuss how we can help with getting yours financed 👇
The most predictable way to get wealthy ($10m-$50m) in my opinion is with rollups.
Here’s what they are and how they work:
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In addition to helping self-funded searcher clients navigate the SBA loan process,
@PIONEERCAPADV
also helps folks that are not clients of the firm with navigating issues on deals that they are working on with other SBA lenders. 1/x
#sba
#smb
#acquisitions
#entrepreneurs
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Great post by
@bibelhausen
He spoke on our recent SMB Lounge and gave some solid input about early days post-acquisition as an operator. He's a great follow and is a thought leader in the operator space.
cc:
@joshdaneee
Day 17:
Don't be afraid to buy in an unfamiliar industry
I recently had the realization the workflow of Heritage is remarkably similar to pharmacy operations, where I spent a large portion of my career.
Take lessons learned and apply them to your new situation.
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We are excited to see
@WeddingVenueGuy
close his acquisition deal!
I’m pumped to help
@WeddingVenueGuy
Deal will get closed and funded with a top 10 nationally ranked SBA lender ☕️
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Great thoughts from
@KHendersonCo
. I couldn't agree more with his points.
If you're an entrepreneur working on a business acquisition, I highly recommend his team at
@smblawgroup
for legal counsel on your deal.
#sba
#smb
#acquisitions
#entrepreneurs
Three Benefits of Entrepreneurship Through Acquisition
1. Modernize an Existing Business – Transform an existing business to align with the modern
market.
#ETA
#Entrepreneurship
#smallbusiness
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We will help 10 self funded searchers close by 12/31. Your deal could be next.
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@Chris_CayneQofE
@smblawgroup
@KHendersonCo
@SMB_Attorney
Nice swag!
@SMB_Attorney
/
@smblawgroup
— I couldn’t mind some swag after we get our next deal closed together 👊🧢
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We're just getting started here at
@PIONEERCAPADV
. This is inning No. 1
#sba
#smb
#acquisitions
#entrepreneurs
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Anytime you see
@saoliver1051
or
@CreditorCounsel
's names show up as bank counsel on a deal. 2 of the best 👌
#sba
#smb
#acquisitions
#entrepreneurs
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If you're a self-funded SMB searcher with a goal of closing your SMB acquisition by the end of the year, you've come to the right place!
➡️
@PIONEERCAPADV
will help at least 10 self-funded searchers with closing on their acquisition financing by the end of 2022. 1/x
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If you're planning to buy a business and close by the end of the year, speed is your friend.
➡️ The lenders that I work with at
@PIONEERCAPADV
are ones that excel in speed and certainty to close.
1/x
#sba
#smb
#acquisitions
#entrepreneurs
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Got off a call with a top 5 SBA lender working on one of my client's deals.
Another
@PIONEERCAPADV
for a business acquisition is headed towards a commitment letter this week with a 5% equity injection. LFG 🔥
#sba
#smb
#acquisitions
#entrepreneurs
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Are you an SMB buyer looking for a phenomenal attorney?
➡️ I would personally recommend
@smblawgroup
or
@lawyer4SMBs
➡️You will be in great hands with either of these 2 firms
➡️ I would trust either with my own deal
#sba
#smb
#acquisitions
#entrepreneurs
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We are not your grandfather's commercial loan brokerage firm.
We are here to innovate and simplify the way in which you as an entrepreneur or searcher navigate through the financing process.
Working with us entails obtaining a "white glove approach" to the financing process.
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➡️ 90% bank financing
➡️ 5% seller full standby note
➡️ 5% equity injection
Do these deals really get approved, or is this simply an SBA myth? 🤷♂️🤷♂️🤷♂️ Read on 👇
#sba
#smb
#acquisitions
#entrepreneurs
#smallbusinessowners
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Back to Boston tomorrow!
If you're attending the
@HarvardHBS
ETA conference and are interested in meeting up for breakfast or lunch on Saturday in the Cambridge area, shoot me a DM!
#sba
#smb
#acquisitions
#entrepreneurs
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Buying a business is likely more affordable than you think it is
While the SBA requires a 10% equity injection (down payment) that is proportional to the total uses of funds (purchase price of the business + everything else), the entire down payment for the business purchase
You don’t need to have a million dollars in the bank to buy a $5 million small to medium sized business
The majority of banks that have a strong understanding of the search fund model place a larger emphasis on a combination of the business being purchased along with what the
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Great post by
@RandBusiness
It’s always about the people that you meet — not the event that you attended
At the business conferences I’ve gone to, I barely remember what speakers say on stage.
But I can almost always remember in vivid details the people I meet, what they do, and how the vibe of our conversation went.
IMO that’s where 99% of the value of a conference comes from.
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SMB searcher calls are back!
30 minute call ($15) - leave with a debt service coverage model, business plan template, and financial projection model
Discuss your SMB search & if a partnership with
@PIONEERCAPADV
would make sense for you 👇1/x
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Firms that allow you to work from home >
Monday used to mean a gridlocked commute into my high-rise. Now it means drinking a coffee and looking out at this view.
Every day I’m thankful that I traded a fancy office for a small town in the country.
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That moment when you have a signed LOI after searching for six months 💥👏
#sba
#smb
#acquisitions
#entrepreneurs
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In the next 2 weeks
@PIONEERCAPADV
will close $5.42 million of SBA 7a loans & $500k of SBA Express LOC financing for 2 self-funded searchers.
Your deal could be next - lets connect 👇
#sba
#smb
#acquisitions
#entrepreneurs
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If you're a self-funded searcher in non-anonymous mode, I recommend putting your criteria in a Tweet pinned to your profile. This community as a whole is very helpful and I wouldn't be surprised if someone in the community helps you find a deal from knowing your criteria.
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Our opinion at PCA is that there are 2 primary reasons to consider rollover seller equity / pursuing a partial buyout for your business acquisition:
1. You view the seller as a reliable business partner that you plan to keep in the business for over 12 months to help grow it.
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@connorpera
Dude, congrats!
@RoryTyer
might have some advice. He recently welcomed his 3rd child recently.
I hope all goes well!
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Then, there are more questionable add-backs — the $10,000 of travel expense 🤔💭🤨
Before submitting your LOI, for any add-backs that you deem to be questionable or ‘squishy,’ ask the seller if they have the documentation in-hand to validate them during diligence
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Excited for this client heading into underwriting to get his deal approved 🔥🧨
We are here to serve America’s next generation of entrepreneurs
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Great times learning all things ETA related at the 2022
@HarvardHBS
ETA conference.
#sba
#smb
#acquisitions
#entrepreneurs
#searchers
#rollups
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💥Approved 💥
Business Acquisition Loan
Top 5 nationally ranked SBA lender
Please feel welcome to reach out if we can help via DM to
@SBA_Matthias
or via email to matthias.smith
@pioneercapitaladvisory
.com
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We are going into underwriting with a top nationally ranked SBA lender and a veteran searcher 🇺🇸🪖🦅
The lender that is taking his loan into underwriting has batted 100% on PCA deals
Below are the debt terms for the deal for interest rate options 👇
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We are currently in the process of taking a client into underwriting with a top 10 nationally ranked SBA lender
The deal does not require a down payment (equity injection) since the buyer is purchasing a company in an industry that he currently owns
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Great thread from
@sbabmarks
Having a strong net worth is great, but it isn’t the most important factor in getting your SBA loan approved
WSS: Bruce, I have executed an LOI to purchase a business for $6,400,000
I believe I’m the right buyer BUT my personal net worth is less than $100,000
Can I get an SBA loan to acquire this business?
So, what do you think ?
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Getting stuck with a slow moving bank that can't fulfill your loan request 👇
Reason
#99
to work with
@PIONEERCAPADV
We work with banks that offer certainty of closing and ones that move quickly 🏃♂️💨
#sba
#smb
#acquisitions
#entrepreneurs
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We should close the year with ~ $60 million in funded SBA 7(a) loan transactions for clients that purchased businesses in 2023.
Final numbers will be posted next week with some potential movement in various transactions to see where the dust settles.
We currently have ~ $75
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This was a deal approved today with a top 5 nationally ranked SBA lender
Please feel welcome to reach out if we can help you with navigating the SBA acquisition financing process via email to Matthias.smith
@pioneercapitaladvisory
.com
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If you're a self-funded searcher attending the
@KelloggSchool
/
@ChicagoBooth
ETA conference or the
@HarvardHBS
ETA conference later this month, I'd love to connect! Please feel welcome to send me a DM if you're interested in meeting up during or after either conference.
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Thanks a ton for the kind words Justin! It was great speaking with you 🤜🤛🔥
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@SBA_Matthias
2 such deals have closed with 95% leverage in the last 3 months.
Below is detail on each for those interested:
Both deals were approved by top SBA lenders that understand the benefits of the full standby seller note
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Great post by
@AustinLinney
Focus on getting 1% better each and every day.
Every week and every day
The systems get one percent better
The work flow gets more locked in
The team is more comfortable with their roles
Some days it feels like shit show
Some days I riding a cloud of confidence
Everyday we getting better that's all that matters
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Entrepreneurs should be working with advisors like
@LukeTurner_CFP
to implement appropriate strategies.
He is a great resource for the ETA space that we recommend to clients.
What is the simplest way to pay less in taxes?
Get the fundamentals down.
1) Maximize Deductions
2) Fund your 401(K)
3) Contribute to your Roth IRA
Have a strategic plan you implement every year and add complexity as needed.
Most people forget to simply to get started.
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A "Silver Tsunami" is here and
@PIONEERCAPADV
is surfing on the top of the wave.
➡️100% conversion rate from engagement to term sheet or commitment letter
➡️ 10 self-funded searchers currently in underwriting or closing
1/x
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Good morning to all of the self-funded searchers pursuing the American Dream of small business ownership 🇺🇲🦅
#sba
#smb
#acquisitions
#entrepreneurs
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💥Every deal in the
@PIONEERCAPADV
pipeline currently has an issued term sheet or a commitment letter 💥
If you're a searcher with a signed LOI that wants to ensure that you get to the finish line on your deal, let's connect 👇
#sba
#smb
#acquisitions
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Preach,
@KHendersonCo
📢
Something my friend
@chrisxmunn
said in a conversation on Friday has been sitting with me all weekend:
"Working all the time is just inefficient labor productivity. And if you can't control that, then you're not as good and not as smart as you think you are."
Brutal, but I
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If you're investing in SMBs, I want to hear from you:
➡️ Industries of interest
➡️ Geographies of interest
➡️ Ideal check size
➡️ Any other pertinent factors
I'm looking to help searchers that need gap equity with filling out their cap tables
#sba
#smb
#acquisitions
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➡️ We are about to go into underwriting with military veteran with prestigious educational pedigree on a business acquisition
➡️ Serving the veteran community is a focus of ours
➡️ Some of the banks that we work with will waive closing costs altogether for veteran searchers
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As a business buyer, it is critical to stay on top of the lease agreement and landlord subordination agreement during the SBA financing process
Lease Agreement & Landlord Agreements - Primer for SBA - Financed Business Buyers:
SBA has specific requirements when for business buyers that are purchasing businesses with leased locations
2 specific & important requirements are:
✅Obtaining a lease agreement for the full
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@SBA_Matthias
@codywagee
Yeah, plus
@codywagee
is a genuinely good dude. If you're on SMB Twitter, you should give him a follow! 🙂
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Tip of the hat to
@SBA_Ray
for springing into action to help on a
@PIONEERCAPADV
deal. I appreciate you!
#sba
#smb
#Acquisitions
#Entrepreneurs
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@PIONEERCAPADV
is committed to serving veteran business buyers that are looking to purchase small to medium sized businesses using SBA 7(a) financing for their business acquisitions
There is one that we are currently working with who is in the post-loan approval closing stage
Great times yesterday with
@FetaFund
at
@USCMarshall
presenting to veteran business buyers in the MBA program
@FetaFund
presented the traditional search model and I covered the self-funded / SBA-funded search model
If you are a business buyer looking to acquire a small to
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Clients like Jeff are why we do what we do.
He will crush it and will someday be posting about hiring a private chef like
@girdley
did today
Congrats Jeff on closing your deal! 🔥💥
Another entrepreneur has achieved their American Dream 🇺🇸🗽🦅
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Understanding the particulars of your options with seller notes as a business buyer can be very valuable in being able to know what you can and can’t do
One of the most critical yet overlooked aspects of the business buying process specifically for business buyers that are using SBA 7(a) financing to buy businesses is seller notes
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"Thanks for being therapist and loan broker" - heard from a PCA client.
This is what I offer. Around the clock service. Let me help show you as a searcher this same level of support 👇
#sba
#smb
#acquisitions
#entrepreneurs
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@JacobWBailey
@DannyEllebrecht
It’s very dependent on the bank to be honest
Some of the banks that we work with want the full customer relationship including the deposit account
Other banks (and non-bank SBA lenders) don’t seem to care
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In making the decision to take out an SBA loan for a business purchase, it is mission critical to calculates how much equity you have in your house since it determines if the bank will need to take a lien on it
In this video, I explain when an SBA lender is required to take a lien on your house
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If you're working to get your deal closed by the end of the year, it is CRITICAL that it is being worked on by the right lender.
A good lender will take 2 weeks in underwriting and you have certainty to close from the time a term sheet is issued. 1/x
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While interest rates are higher in recent months and there is a general scarcity of good deals, we continue to see great client activity across the board with deals that are "penciling out" and banks / lenders actively looking to deploy capital. 1/x
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Rather than navigating this process on your own,
@PIONEERCAPADV
takes the heavy lifting off your shoulders, allowing you to focus on the deal, specifically everything non loan related. 2/x
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@SMBSeeker
Glad to connect over DM to share my thoughts on when I recommend getting one even when they aren’t required by the lender
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