Lendway Capital Advisors

Lendway Capital Advisors 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

dn't take more than 45–60 days! We have the people, partnerships, and infrastructure to make sure your loan doesn't collect dust. Small Business Administration Loans, Pari Passu, USDA, and Asset-Based Lines of Credit.

USDA financing is not just for farms.Businesses located in communities with populations of 50,000 or fewer may qualify f...
07/22/2026

USDA financing is not just for farms.

Businesses located in communities with populations of 50,000 or fewer may qualify for USDA financing ranging from $2 million to $25 million. That can include manufacturers, healthcare providers, hotels, restaurants, entertainment venues, industrial facilities, grocery stores, wineries, transportation-related businesses, and many others.

Rural does not mean unprofitable. Strong businesses operate outside major metropolitan areas every day, but they are often overlooked by traditional financing sources.

The USDA program was created to help support these communities by making qualifying business projects more attractive to participating funding sources.

Your business may be more eligible than you think.

➡️ https://www.lendwayca.com/usda-loans/

07/21/2026

A $200,000 business acquisition was too small for the bank to prioritize. That did not make it a bad deal.

Michael and Nancy found a profitable cinnamon roll franchise in Arizona and needed a financing option that could move quickly. Through a Non-SBA business acquisition program, the transaction closed just two weeks after all required documentation was received, without outside collateral or a lien on their home.

This SBA loan alternative is designed for qualifying acquisitions of $375,000 and under, giving buyers and business brokers another path when traditional banks are not interested in smaller transactions.

For Michael and Nancy, it meant more than buying a franchise. It was a step toward building a lasting legacy for their blended family of nine.

Read the full success story and see whether your acquisition may qualify.
➡️ https://www.lendwayca.com/sba-loan-alternative-business-acquisition/

07/16/2026

Balloon loans can create a problem years after the deal closes.

With many conventional commercial loans, the borrower may only have a 3 to 5-year window before the loan balloons. That means the business buyer may have to refinance, renew the loan, go back through underwriting, move the debt somewhere else, or pay off the balance when the balloon comes due.

That can create real pressure.

The business may be performing well. The buyer may be making every payment on time. But when the maturity date arrives, the borrower still has to deal with the next financing event.

SBA acquisition financing works differently.

SBA loans are generally fully amortized over 10 or 25 years, depending on the structure of the deal and whether commercial real estate is involved. That means the loan is designed to pay down over the full amortization schedule instead of forcing a balloon payoff after only a few years.

For business owners and business brokers, this matters.

The loan structure should not just help the buyer close. It should also give the buyer a more stable path after closing, especially when they are stepping into ownership, managing cash flow, and trying to grow the business.

Learn more about SBA acquisition financing:
https://www.lendwayca.com/small-business-administration-sba-loans/

Disclosures:
https://www.lendwayca.com/disclaimers/

07/15/2026

Loan covenants are one of the biggest things business buyers overlook.

A conventional commercial loan may look fine on the surface, but the fine print can create problems later. Many conventional loans include covenants that require the borrower to maintain certain financial ratios, liquidity levels, net worth requirements, or debt-to-equity standards.

Here is the part that matters: you can make every payment on time and still create a problem with the bank if you break a covenant.

That is why SBA acquisition financing can be so attractive for qualified business buyers. In many cases, SBA loans do not carry the same covenant-heavy structure found in conventional commercial financing.

Examples of common conventional loan covenants include:

Minimum net worth requirements
Fixed charge coverage ratio requirements
Minimum liquidity requirements
Minimum debt-to-equity ratio requirements

For business owners and brokers, this matters. The loan is not just about getting approved. It is about understanding what the borrower has to live with after closing.

The wrong structure can create pressure after the deal closes. The right structure can give the buyer more room to operate, grow, and focus on the business.

Learn more about SBA acquisition financing:
https://www.lendwayca.com/small-business-administration-sba-loans/

Disclosures:
https://www.lendwayca.com/disclaimers/

07/14/2026

Up to 75% financing is one of the biggest reasons SBA financing can be so powerful for business acquisitions.

In a conventional commercial loan, lenders usually want more equity, more collateral, and lower loan-to-value. SBA financing works differently because the loan is backed by a government guarantee. That guarantee can reduce the lender’s exposure if the loan defaults, which is why SBA lenders can often offer higher leverage than conventional financing.

Important point: this does not mean every buyer automatically qualifies.

The deal still has to make sense. Lenders still review cash flow, debt service coverage, buyer experience, equity injection, collateral, industry risk, and the full acquisition structure.

But when the business is strong, the buyer is qualified, and the numbers support the debt, SBA financing can help buyers get closer to the closing table with less cash out of pocket than many conventional loan options.

For business owners and brokers, understanding this difference matters. The right financing structure can be the difference between a deal that stalls and a deal that closes.

Learn more about SBA acquisition financing:
https://www.lendwayca.com/small-business-administration-sba-loans/

07/10/2026

A lot of people spend years helping build someone else’s business.

At some point, the question becomes pretty simple:

Do you want to keep advising from the outside, or do you want to own the thing yourself?

That was the situation here.

This buyer was not new to fitness. He understood the industry, the operations, the customer base, and what a strong fitness center should look like. He had the background to run the business. The opportunity was already well-known, popular, and cash-flowing.

That combination matters.

The lesson is not that every fitness franchise acquisition works. They don’t.

The lesson is that experience matters. Cash flow matters. Structure matters.

When those three pieces line up, SBA acquisition financing can help an experienced operator move from employee, consultant, or manager into ownership.

We helped structure a $1.2M SBA loan with our partner lender so this long-time fitness consultant could purchase an existing franchise fitness center in the Northeast.

Now he is no longer watching someone else call the shots.

He is the owner.

Read the full story:
https://www.lendwayca.com/fitness-consultant-becomes-owner-sba-loan/

97% of U.S. land mass may be eligible for a USDA loan.That does not mean USDA financing is only for farms.For qualified ...
07/09/2026

97% of U.S. land mass may be eligible for a USDA loan.

That does not mean USDA financing is only for farms.

For qualified businesses in communities of 50,000 or fewer, USDA financing can be a powerful option for larger rural business projects when the structure makes sense.

Many business owners and brokers overlook it because they assume “USDA” means agriculture only.

That assumption can kill opportunities before they are even reviewed.

At Lendway Capital Advisors, we help evaluate the transaction, structure the deal, and connect it with the right funding source when it fits.

Time is the most valuable commodity we have. Let’s not waste it.

https://www.lendwayca.com/usda-loans/

07/08/2026

He already knew the fitness business. He just needed the right structure to finally own one.

A long-time fitness consultant had spent years around fitness operations, but he was never the person making the final decisions. That changed when he found a well-known franchise fitness center in the Northeast.

We helped structure a $1.2M SBA loan with our partner lender so he could purchase the business and step into ownership.

This was not a startup. It was an existing, popular, cash-flowing fitness center with a buyer who understood the industry.

That is where SBA acquisition financing can make a real difference.

The business had the cash flow.
The buyer had the experience.
The structure helped bring it together.

Time is the most valuable commodity we have. Let’s not waste it.

Read the full story:
https://www.lendwayca.com/fitness-consultant-becomes-owner-sba-loan/

07/02/2026

A larger acquisition does not always require giving up equity.

Many lower middle market buyers hit a point where a standard SBA 7(a) structure is not enough. At that point, outside investors may seem like the obvious next move.

Pari Passu financing may offer another path.

This structure can allow SBA 7(a) exposure to be maxed out, then add a conventional note alongside it for additional acquisition financing.

For qualified buyers, that may help fund a larger deal without automatically giving away a percentage of the company.

Equity can bring capital, but it can also bring strings.

Shared profits.
Shared control.
More opinions at the table.
More complexity after closing.

Debt is not always the answer, but it should be reviewed before ownership is diluted.

Strong cash flow still matters.
Buyer qualifications still matter.
The structure has to make sense.

Before assuming investors are the only path, take a serious look at whether the acquisition can be structured with non-equity debt.

Learn more: https://www.lendwayca.com/pari-passu-loans/

07/01/2026

SBA acquisition financing is not limited to one kind of business.

Manufacturing.
Transportation.
Healthcare.
Restaurants.
Construction.
IT.
Franchises.
Distribution.
Auto services.
And many more eligible industries.

But the industry is only one part of the conversation.

The bigger question is whether the acquisition can be structured correctly.

That means looking at cash flow, buyer qualifications, debt service, documentation, addbacks, and the overall deal structure before momentum is lost.

At Lendway Capital Advisors, we help business buyers and brokers think through SBA acquisition financing with a focus on structure, urgency, and getting the right deals to the closing table.

Because the right acquisition should not get stuck because the financing was handled the wrong way.

Learn more: https://www.lendwayca.com/small-business-administration-sba-loans/

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

Telephone

+18476448085

Website

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