Pioneer Capital Advisory LLC

Pioneer Capital Advisory LLC We get paid by the SBA lender after closing, not by you as the buyer.

Pioneer Capital Advisory LLC is a commercial loan brokerage firm dedicated to helping business buyers finance their purchase of small-to-medium-sized businesses with SBA 7(a) financing. Pioneer Capital Advisory LLC is a free consultant that helps you as a business buyer find the bank that is the best fit for your deal and helps you navigate the loan process so you are able to secure the SBA financing that you need.

Pre-LOI is where the money leaks. Most diligence spend goes to deals that should have been screened weeks earlier.90-min...
05/19/2026

Pre-LOI is where the money leaks. Most diligence spend goes to deals that should have been screened weeks earlier.

90-minute live webinar — Wednesday, May 27 at 1 PM CST — with Eric Hsu, Esq. (Clear Focus Law) and Chris Barrett, CPA (Midwest CPA) on the three lenses every buyer should run before signing an LOI.

Lender. Legal. Financial.

Bankability — DSCR, deal killers, and the 30-minute lender sanity check that kills bad deals before exclusivity burns.

Crash Test — 13 risk signals, five LOI clauses worth fighting for, and the assignability landmines.

Earnings Quality — five financial signals to read before commissioning a QofE, the add-back tests, and the working capital trap most buyers don't see coming.

If you're searching, under LOI, or sharpening your buy box, this one's built for you.

Free. 90 minutes. Live Q&A.

Register → https://us06web.zoom.us/webinar/register/9517791553943/WN_-MAnVHxpRMykBZam_zJ_gw

07/29/2025

“My wife and I moved here with a plan — but what actually happened was even better.”

He was working in software sales but wanted more:
✔️ Brainstormed all kinds of startup ideas (ghost kitchens, home services, etc.)
✔️ Tried buying a lawn care business — but it was packed with bad add-backs
✔️ Took a random call with a local real estate agent — who turned out to own Cowgirl Kitchen, their first acquisition

That one unexpected connection shifted everything.

💡 In this clip, he shares how showing up and staying curious led him to owning multiple businesses.

👉 Contact us: https://bit.ly/45b8tJ6

07/27/2025

What’s the best advice for a first-time buyer using SBA lending?

Here’s what seasoned buyers wish someone had told them sooner:
✔️ Hire a specialist — someone who’s done it before
✔️ Start with a clear 30-day task list
✔️ Spend week one knocking it all out
✔️ Give yourself extra time for anything that involves other people

The biggest delays? They usually come from someone else’s inbox.

💡 In this clip, he lays out the simple but powerful roadmap to make your first deal smoother and faster.

👉 Contact us: https://bit.ly/45b8tJ6

07/25/2025

You’ve never done this before — so who’s helping you navigate it?

First-time buyers face a maze of rules, policies, and hidden pitfalls:
✔️ Each bank has its own process
✔️ Not every “SBA rule” is actually from the SBA
✔️ Misunderstanding the system can kill your deal

That’s why having someone in your corner who knows the game makes all the difference.

💡 In this clip, he breaks down how to avoid the biggest deal-killing mistakes — and how the right advisor keeps your deal alive.

👉 Contact us: https://bit.ly/45b8tJ6

07/23/2025

You’re buying your first business — so how do you actually pay for it?

Here’s how most first-time buyers get it done:
✔️ All cash — rare, but possible
✔️ Seller financing — pay the seller over time
✔️ SBA loan — the go-to for deals under ~$8M

Most traditional banks want hard collateral — which you probably don’t have. That’s why SBA is often the best route in this space.

💡 In this clip, he explains each option and what makes SBA loans the first-time buyer's best friend.

👉 Contact us: https://bit.ly/45b8tJ6

07/21/2025

“I built this firm from scratch — and my first deal came four months in.”

In a world where most lenders average about $1M/month, he made waves early:
✔️ $14M in SBA deals in just 6.5 months
✔️ First two months spent on branding and outreach
✔️ Closed $65M in his first full year — with time off for St. Patrick’s Day in Ireland

💡 In this clip, he shares the mindset, strategy, and grit it took to make it happen — without a big bank name behind him.

👉 Contact us: https://bit.ly/45b8tJ6

07/19/2025

“I noticed something no one else seemed to — most loan consultants weren’t specialists.”

From his seat in the closing department, he saw it firsthand:
✔️ Most consultants worked on anything, not just ETA
✔️ Many were from sales — not credit or closing
✔️ Few actually knew what happens after a deal is approved

That experience made him stand out — and made his clients' deals actually close.

💡 In this clip, he breaks down how the right expertise behind the scenes changes everything.

👉 Contact us: https://bit.ly/45b8tJ6

07/17/2025

You mean I can use the business’s own cash flow to pay off the debt — and end up owning it outright?

That’s exactly what most new buyers overlook:
✔️ Strong businesses generate serious excess cash flow
✔️ That cash goes toward SBA loan and seller note payments
✔️ It can also fund your growth, pay your salary, or support your lifestyle

If everything goes right, in 10 years you own a cash-generating asset outright — worth millions.

💡 In this clip, he explains how leveraged business buying leads to real long-term wealth.

👉 Contact us: https://bit.ly/45b8tJ6

07/15/2025

So if I borrow $3.2 million to buy a $4 million business… what’s that payment actually look like?

Here’s the quick version:
✔️ SBA loans usually run at prime + 2.25% — around 10.75% right now
✔️ Payments include both principal and interest
✔️ Typically amortized over 10 years

That gives you a ballpark to work from — and a lens for deciding whether the deal cash flows.

💡 In this clip, he breaks down how to estimate your debt payments and what matters before you close.

👉 Contact us: https://bit.ly/45b8tJ6

Address

1309 Coffeen Avenue Ste 1200
Sheridan, WY
82801

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

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