Approval Starts Here
Credit-first structuring built to close
We Start with a Yes!
The SBA Loan Desk
National SBA 7(a)
Loan Structuring
Hotels | Gas Stations | Carwashes | Self-Storage | Manufacturing | Childcare | Assisted Living & More
Former Head of Underwriting & Acting Chief Credit Officer | Now Building Winning Deals at Ready Capital
SBA deals don’t always fail because they’re bad. Sometimes they fail because they’re structured wrong.
I spent years reviewing SBA loans in underwriting and credit committee and responsible for $1 Billion in approved SBA loans.
Now I help SBA brokers, business brokers, CPAs, M&A professionals and franchise developers structure deals that actually survive approval.
If it won’t pass credit, I’ll tell you fast. If it can be structured better, I’ll show you how.
The SBA Loan Desk helps brokers and buyers structure SBA 7(a) acquisition, refinance, and owner‑occupied commercial real estate deals so they survive underwriting. Submit a 5‑liner and get fast GO/FIX/NO feedback from a former Head of Underwriting.
What We Structure
- SBA 7(a) business acquisitions (often with real estate)
- SBA 7(a) owner‑occupied CRE purchases/refis
- SBA refinance (benefit-to-borrower discipline)
- USDA B&I (when it’s a better fit)
Common industries include hotels, gas stations/c‑stores, car washes, self‑storage, manufacturing, childcare, assisted living, and other owner‑occupied businesses.
Email: danny.smith@readycapital.com
Phone: (256) 572-4323
From Credit Approval to Closing Table
- Former Head of Underwriting & Chief Credit Officer - I know what credit flags
- National lending platform through Ready Capital
- FAST structuring feedback
- Clear direction early
- Direct communication
Buyer Experience
Can this borrower realistically operate the business from day one?
Seller Dependency
Will the business stand without the seller?
What Actually Gets Debated in Credit
Stand-alone & Global Cash Flow
Does the full financial picture support the acquisition?
Industry Risk
Is the sector stable or cyclical?
Add-Back Credibility
Are adjustments defensible and realistic?
National Platform. Structured Correctly From The Beginning.
At Ready Capital, we operate as a leading national SBA 7(a) and USDA B&I lender with capacity to fund transactions across most industries. Scale alone isn’t enough. Structuring discipline is what makes deals fundable.
Simple. Direct. Efficient.
Deal Intent | Funds Flow | Sponsor Snapshot
Repayment Story | Collateral & Conviction
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Send a Deal Summary
Receive Early Structuring Feedback
Clear direction. No guessing.
Submit With Confidence
Move forward knowing how credit evaluates the file
Built for Brokers Who Move Volume
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