SBA Acquisition Financing & Financial Modeling Specialist

Role overview

We're seeking an experienced SBA Financing Consultant / Financial Modeler to develop acquisition models and deal structures that qualify under the SBA 7(a) program, prepare lender-ready financial packages including pro forma statements, DSCR analysis and post-acquisition projections, lead SBA requirements and application processes for multiple acquisitions and identify the optimal lender or lending partner for our specific structure. This is a contract or project-based engagement, with potential for ongoing work as we scale acquisitions.

What you'll do

• Build dynamic financial models (Excel or Google Sheets) reflecting acquisition scenarios (purchase price, loan terms, cash flow, DSCR, etc.).
• Prepare and refine lender submission materials, including an executive summary / acquisition memo, combined historical and pro forma financials, owner resumes, PFS and SBA Form 1919 guidance.
• Review purchase agreement and seller note structure for SBA compliance.
• Advise on loan packaging strategy to qualify as a business expansion (same NAICS code, identical ownership).
• Interface with or recommend SBA-preferred lenders experienced in M&A and recurring-revenue businesses.

What you bring

• Proven experience preparing or closing SBA 7(a) acquisition loans (preferably in services, SaaS or fintech sectors).
• Strong grasp of SBA SOP 50 10 7.1 / 8 and Procedural Notices (especially 5000-846607 and 5000-872764).
• Skilled in financial modeling, cash flow analysis and DSCR testing.
• Understanding of ISO/merchant portfolio structures or payment processing models (a huge plus).
• Excellent communicator, able to explain complex financing mechanics in plain business terms.
• Experience liaising with lenders such as Live Oak, ReadyCap or Byline Bank is a bonus.

Deliverables

• Financial model for first acquisition, with editable assumptions (loan amount, terms, valuation, DSCR).
• Lender package (ready for submission) including business plan summary, projections and borrower profiles.
• Advisory roadmap outlining next steps to secure SBA pre-approval and structure future acquisitions.

Project scope

• Estimated duration: 4–6 weeks for initial project
• Engagement: Fixed-price or hourly (depending on experience)
• Potential for ongoing consulting as VeriFee scales acquisitions

How to apply

• A brief summary of your SBA financing experience
• Example of an acquisition financial model or client success story
• Typical turnaround time for packaging a lender-ready SBA loan
• Hourly or project-based rate