No credit check
There is no applicant on this submission, so nobody’s credit is pulled. Lenders review the business itself.
Selling a business
Show buyers what they can finance.
Emberline Capital reviews the business you are selling with lenders that fund acquisitions, so you know how much a buyer can borrow before the first offer arrives.
- Based on the business alone, with no buyer and no personal identifiers
- Tax returns, interim financials, the SDE schedule and the lease upload here
- Linked to the buyer’s application later by business name
- The listing
- The business
- The listing side
- Documents
- Review
The business you're selling
These are the seller's numbers, the ones a lender uses to review the deal.
Take it from the CIM or the listing. Skip anything you don't have; nothing here holds up the submission.
Seller's Discretionary Earnings. A lender sizes the loan from this number, so use the schedule if you have one.
Real estate
Lenders generally want the lease term plus options to cover at least 10 years.
About this listing
Two things that change how a lender reads the file. We already have your name and how to reach you.
This submission has no applicant. The buyer provides an SSN, a date of birth and ownership details on their own application later.
Your role on this listing
Is the listing live?
If an offer is already in hand, say so. It moves the file up the queue.
The prequal package
A lender prequalifies the business from these eight sections. A complete set usually comes back in about 48 hours, and a partial set waits until the rest arrives.
All of it is optional here. The checklist stays on the page so you know what a full set looks like, and anything missing can follow later.
Supporting documents
Bank statements, the CIM, equipment lists, licences, appraisals and anything else a lender will ask for on this business. There is no limit on how many.
PDF, JPG, PNG, Excel or Word, up to 100 MB per file. A full three-year return with every schedule fits, so send it as it is.
Review and submit
Check the numbers. You can go back and change anything.
Your business is submitted.
Emberline Capital is reviewing it with lenders that finance acquisitions of this size.
Your reference number
When a buyer applies, their application gets matched to this one by business name.
Financing in place helps a business sell.
Sales often stall between the letter of intent and closing while the buyer searches for a lender. Putting the numbers in front of lenders first gives buyers that answer at the start.
Documents gathered once
Returns, financial statements, the SDE schedule and the lease are collected now, so the buyer’s lender does not have to ask again.
A price lenders can support
You find out whether the asking price covers the debt service while there is still time to adjust it.
From listing to a funded sale.
Your part comes before a buyer is found. The buyer’s application continues from there.
- 1
Submit the business
The business, its numbers and the documents a lender prequalifies from.
- 2
Lender review
The numbers are checked against lenders that write SBA 7(a) and conventional acquisition loans at this size.
- 3
List with financing
The business goes to market with a financing structure: what a buyer can borrow and what they would put down.
- 4
The buyer applies
The buyer completes their own application with their down payment, credit and guaranty.
- 5
Close
The lender funds at closing together with the buyer’s cash and any seller note.
Go to market with financing answered.
Share the numbers of the business before you meet a buyer. It is free, and nobody’s credit is checked.
- Up to $5MSBA 7(a) loan limit
- No applicantBusiness-only submission
- No credit pullNothing is checked