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.

SBA loans get blamed for a lot of bad experiences.But most of the time, the real problem was not the SBA.It was the lend...
06/16/2026

SBA loans get blamed for a lot of bad experiences.

But most of the time, the real problem was not the SBA.

It was the lender, bank, broker, or advisor handling the file.

They didn’t understand the process.
They didn’t know the SOP.
They didn’t package the loan correctly.
They let issues sit too long.
They gave the borrower false confidence instead of real answers.

That is where deals get stuck.

SBA loans can be complex, but complex does not mean impossible. For the right business acquisition, an SBA loan can still be one of the best financing tools available.

Higher leverage.
Long amortization.
No balloon payments.
Limited or no prepayment penalties in many cases.
Closing costs that may be rolled into the loan.

The key is knowing how to structure the deal from the beginning.

At Lendway Capital Advisors, we help business buyers and brokers understand what can work, what will not work, and what needs to be fixed before the file gets too far down the road.

Time kills deals.

Let’s not waste it.

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

Before a buyer gives away part of the company, the debt structure should be looked at first.When a deal is too large for...
06/12/2026

Before a buyer gives away part of the company, the debt structure should be looked at first.

When a deal is too large for standard SBA 7(a) exposure, there may still be another way to structure it.

Pari Passu financing can allow the SBA 7(a) exposure limit to be maxed out, then add a conventional note in Pari Passu position for the right acquisition.

That can be the difference between:

Giving away ownership
or
Structuring the deal with non-equity debt

There is still no shortcut.

The company has to cash flow.
The buyer has to be qualified.
The numbers have to support the debt.
The structure has to make sense.

But if the deal works, Pari Passu can help buyers avoid bringing in investors too early.

Before you dilute ownership, look at the debt structure first.

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

Not every larger acquisition needs outside equity.For the right lower middle market deal, Pari Passu financing may help ...
06/11/2026

Not every larger acquisition needs outside equity.

For the right lower middle market deal, Pari Passu financing may help build a larger capital stack without giving away ownership.

The structure can include:

• SBA 7(a) financing up to the exposure limit
• A conventional note in Pari Passu position
• Seller financing
• Buyer equity injection

That matters because equity can change the deal long after closing.

You may share profits.
You may lose control.
You may have more people involved in major decisions.
You may make future funding or a future sale more complicated.

Debt is not automatically a bad thing.

If the cash flow supports it, debt can help buyers keep ownership while still getting the acquisition done.

Pari Passu is not for every transaction, but it is worth understanding before assuming investors are the answer.

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

There is a cost to bringing investors into an acquisition.Sometimes it is worth it.Sometimes it is not.Giving up equity ...
06/10/2026

There is a cost to bringing investors into an acquisition.

Sometimes it is worth it.

Sometimes it is not.

Giving up equity may help fund a larger deal, but it can also mean giving up control, sharing profits, and adding more people to every major decision.

That is why Pari Passu financing matters.

When the SBA 7(a) exposure limit is maxed out, a conventional note may be added in a Pari Passu position for the right acquisition.

This can help create a larger capital stack using non-equity debt instead of immediately giving away part of the company.

The deal still has to make sense.

The business has to cash flow.
The buyer has to qualify.
The structure has to work.

Before giving up ownership, buyers and brokers should ask:

Can this acquisition be structured with debt instead?

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

Giving up equity might help you fund a deal.But it can also cost you control, profits, and flexibility later.That is why...
06/04/2026

Giving up equity might help you fund a deal.

But it can also cost you control, profits, and flexibility later.

That is why acquisition buyers should understand Pari Passu financing before assuming investors are the only option.

When your SBA 7(a) exposure limit is maxed out, a Pari Passu structure may allow an additional conventional note to be added alongside the SBA loan.

That means the right lower middle market acquisition may be able to use debt instead of giving away ownership.

Why does that matter?

Because once equity partners enter the deal:

• You may answer to someone else
• Profits may be shared
• Future funding can get more complicated
• Selling the company can become harder
• Different visions can create stress
• Control may no longer be fully yours

Debt is not automatically bad.

If the business has the cash flow to service it, debt can help buyers keep ownership while still getting the deal done.

Pari Passu is not for every acquisition. The business has to cash flow. The buyer has to qualify. The structure has to make sense.

But before you give up part of the company, it is worth asking:

Can this deal be structured with non-equity debt instead?

Learn more: https://ow.ly/Szzr50Z4Ljo

Giving away equity can solve a funding problem.But it can also create a control problem.When investors come into the dea...
06/03/2026

Giving away equity can solve a funding problem.

But it can also create a control problem.

When investors come into the deal, ownership gets diluted. Profits may get shared. Decision-making can get more complicated. And the original buyer may lose some of the freedom that made them want to own the business in the first place.

That is why Pari Passu financing can be useful for the right lower middle market acquisition.

Instead of giving up a percentage of the company, a buyer may be able to use a combination of:

• SBA 7(a) financing up to the exposure limit
• A conventional note in Pari Passu position
• Seller financing
• Buyer equity injection

This can help create a larger capital stack without immediately turning to outside equity.

It is not for every deal.

The business still has to make sense. The cash flow has to support the structure. The buyer has to be qualified. The numbers have to work.

But when they do, Pari Passu can give acquisition buyers another option before they start giving away ownership.

For business owners, buyers, and brokers working on larger acquisition deals, this is a structure worth understanding before assuming equity is the only path forward.

Learn more: https://ow.ly/GKub50Z4K4Q

A lot of lower middle market acquisitions run into the same wall:The deal is bigger than the SBA 7(a) exposure limit.Tha...
06/02/2026

A lot of lower middle market acquisitions run into the same wall:

The deal is bigger than the SBA 7(a) exposure limit.

That does not always mean the buyer has to give up equity.

With a Pari Passu structure, the first note can max out the SBA 7(a) exposure limit, and an additional conventional note can be added in a Pari Passu position.

Pari Passu means “on equal footing” or “side by side.”

In plain English:

The structure can help support larger business acquisition financing when the deal has strong cash flow, even if there is limited real estate or hard collateral.

That matters for businesses like:

• Trucking
• Janitorial
• Construction
• IT
• Business services
• Retail
• Other cash-flowing acquisition targets

For buyers trying to close a larger acquisition, the question is not always, “Is there enough collateral?”

Sometimes the better question is:

Does the business cash flow well enough to support the debt?

That is where Pari Passu financing may be worth looking at.

Learn more: https://ow.ly/mZQC50Z4JRx

Most SBA loans are variable rate loans.A lot of buyers don’t fully understand what that means until after they close.Mos...
05/27/2026

Most SBA loans are variable rate loans.

A lot of buyers don’t fully understand what that means until after they close.

Most structures are based on:
Prime Rate + a spread of roughly 2.00%–2.75%.

So when the Federal Reserve raises rates…
your interest rate can increase.

When rates come down…
your payment can improve too.

That’s why understanding debt service and cash flow upfront matters so much in business acquisitions.

A deal should not just work today.

It should still make sense if rates move tomorrow.

That’s where proper structuring matters.

👉 Learn more about SBA acquisition financing:
https://ow.ly/FFCt50Z1irO

Most SBA loan problems start before the application is even submitted.Missing documents.Incomplete financials.Bad deal s...
05/26/2026

Most SBA loan problems start before the application is even submitted.

Missing documents.
Incomplete financials.
Bad deal structure.
Wrong expectations.

Then people wonder why the process drags on for months.

Before you apply for an SBA loan, get your documentation organized FIRST.

That means:
• 3 years of business & personal tax returns
• Current P&L and balance sheet
• Debt schedule
• Personal financial statement
• Resume/industry experience
• Credit report

Especially for business acquisitions.

Because lenders are not just evaluating the business.

They are evaluating YOU as the operator.

The smoother your documentation is upfront, the faster underwriting moves later.

That’s one reason why experienced SBA advisors matter.

A good team can identify issues early, structure the deal correctly, and help avoid unnecessary delays before they become major problems.

Time kills deals.

👉 Learn more about SBA acquisition financing:
https://ow.ly/ULjO50Z1iae

Most people don’t hate SBA loans.They hate what they went through trying to get one.❌ Endless back-and-forth❌ Banks that...
05/25/2026

Most people don’t hate SBA loans.

They hate what they went through trying to get one.

❌ Endless back-and-forth
❌ Banks that didn’t understand the deal
❌ Brokers who overpromised
❌ Weeks wasted with no real answers

That’s exactly why Lendway Capital Advisors is on a mission to change the perception of SBA financing.

We help structure business acquisition loans to actually close.

Because SBA loans are not “bad” when they’re handled correctly.

The reality is:
• SBA lending is highly specialized
• SOP guidelines constantly change
• Deal structure matters
• Experience matters even more

Our team has spent 13+ years helping business owners and brokers navigate SBA acquisitions, Pari Passu structures, USDA loans, and asset-based lending.

We work with urgency because time kills deals.

And if something won’t work?
We tell you right away and explain why.

No guessing.
No dragging things out for 90+ days.
No wasting your time.

Just experienced deal structuring designed to move transactions forward.

👉 Explore our SBA acquisition financing solutions:
https://ow.ly/n9Ea50Z1hOs

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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