Refer Your Clients with Confidence
We handle the SBA financing so you can focus on the transaction. Business brokers, CPAs, attorneys, commercial RE brokers, and franchise consultants partner with us when their clients need SBA — and stay informed every step of the way.
Who We Work With
Our deal flow comes through trusted professionals. Here's who we partner with — and why each relationship matters.
Business Brokers & M&A Intermediaries
You found the deal and ran the seller process — your job is closing the transaction. Our job is making sure SBA financing isn't the reason it doesn't close. We handle pre-qualification, structuring around SOP 50 10 8 rules (10% equity, seller-note standby, valuation requirements), and lender selection.
Bonus for your listings: we offer SBA Financing Readiness Assessments for your sellers — making your listings more fundable and your close rate higher.
CPAs & Accounting Firms
Your clients trust you for the financials and strategy. When they're buying a business, refinancing high-cost debt, or buying their building, the SBA structuring question lands on your desk. Hand it to us — we'll send the cleaned-up package back for your review before submission.
Business Transaction Attorneys
You're drafting the LOI, the APA, and the seller note. We slot into the deal team alongside you and make sure the financing structure matches the legal structure — especially on partner buyouts, MBOs, and ESOPs where the SBA rules are particular.
Commercial Real Estate Brokers
Your client is buying owner-occupied CRE and the 504 program is almost always the right call. We'll model 504 vs. conventional side-by-side, structure the deal, match both the bank first lien and the CDC second, and keep the advisory work clean.
Franchise Consultants
The SBA Franchise Directory came back in June 2025 — and Directory status is the make-or-break of franchise financing. We verify Directory + FIC status as step one and route the deal to lenders who actually price your brand category aggressively.
Practice Transition Firms
Dental and veterinary transitions are some of the cleanest SBA profiles a lender sees. We work with the major national transition brokerages and regional specialty intermediaries — handoffs are clean, timelines are predictable.
How It Works for Your Client
Three steps, no jargon. Your client knows what's happening and when.
You Refer
Intro email, warm call, or send your client our way directly. We do an initial 30-minute call within 48 hours to scope the deal — loan amount, use of funds, borrower profile, timeline.
We Pre-Qualify and Structure
Within 5–7 business days of the intake call we have a structured deal: program (504 / 7(a) / both), equity injection plan, seller note treatment if applicable, target lenders. You see the structure before we go to market.
We Package, Match, and Close
Full SBA package built to lender spec. Term sheets in 7–14 days from submission. We coordinate with the lender for underwriting, third-party reports, and closing — and keep you in the loop at every milestone.
How It Works for You
Working with us is meant to make your job easier — not add a new partner you have to babysit.
- Transparent communication — weekly deal status emails, no surprises at closing.
- Your client stays your client — we never cross-sell, never poach, never bypass the referral relationship.
- Compliant referral fee structure — fees are disclosed to all parties via SBA Form 159 (Fee Disclosure and Lender Compensation Agreement) and structured to meet SBA's referral fee rules.
- White-glove handoff — your client gets a single point of contact who knows their deal and respects your relationship.
- Diligence-grade packaging — clean, organized, lender-ready files. If you ask to see the package before submission, we send it.
Resources for Your Clients
Tools to make the conversation easier.
Co-Branded SBA Financing Checklists
Hand your client a one-pager covering the documents and decisions they need to prep before talking to a lender. We co-brand with your firm's logo on request.
Pre-Qualification Letters
When your client is making an offer, we'll write a pre-qualification letter on HelmPoint letterhead based on a real structuring review — not a marketing flyer. Sellers and listing brokers take these seriously.
Lunch-and-Learn Sessions
SOP 50 10 8 in 45 minutes for your team. The rules that changed in June 2025, what they mean for your clients, and how to spot the deals that need SBA structuring early. Available virtually or in-person.
Become a Referral Partner
Tell us about your practice and the kind of deals you see. We'll follow up within 24 hours to set up an intro call.