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Read this if
“I found a deal, I need the money”
The deal is real and the clock is running. You do not need theory. You need to know who to call, in what order, this week.
The seller wants proof of capital and you have thirty days.
Your bank wants two years of history you do not have yet.
Every business loan ad you click turns out to be a cash advance.
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All six playbooks instead of one. Bought separately they come to $432.
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The financing playbookVol. II · 2026 Rules Edition
The capital stack
Nine layers. Built in this order, and no other.
The same nine sources in the wrong sequence raise about a third of the money. This is the order that keeps every layer available for the next one.
01
Seller note
The cheapest capital in any deal. Always priced before you call a bank.
Up to 60%
02
SBA 7(a)
The workhorse of acquisition finance. Preferred lenders listed by state.
Up to 90% LTV
03
0% introductory business credit
Twelve to twenty-one months interest-free. 100+ issuers named in the directory.
$50K–$150K
04
Business line of credit
Revolving working capital. Not for the purchase price itself.
$25K–$250K
05
HELOC
Cheap money, personally secured. Know the trade you are making.
Up to 85% of equity
06
ROBS rollover
Equity rather than debt, penalty-free, with real compliance obligations.
Your 401(k)
07
Equipment sale-leaseback
Cash out of assets the business already owns and already paid for.
Trapped value
08
Revenue-based financing
Fast and expensive. Only when the arithmetic genuinely works.
3–8× monthly revenue
09
Investor participation note
Fixed return, no board seat, no control handed over.
Closes the gap
Includes the down-payment structuring chapter, 100+ lenders doing 0% introductory capital, and every SBA preferred lender by state.
Sound familiar?
You did the hard part. Now a stranger at a desk decides whether it happened.
Sourcing was hard. Diligence was hard. You did both, properly. And now the whole thing rests on a thirty-day window, a lender you have never met, and a set of rules nobody ever wrote down for you.
The seller wants proof of capital and you have thirty days to produce it.
Your bank told you to come back when you have two years of financials.
You do not know whether to call the SBA lender or the commercial banker first — and the order matters more than either call.
Every business loan ad you click turns out to be a merchant cash advance at sixty percent.
You have applied to four lenders and each application seems to have made the next one harder.
You have no benchmark for a fair rate, so you cannot tell when you are being quoted double.
The seller has started taking other calls.
You are one document away from your file actually being read, and nobody will tell you which document.
Funding is a sequence, not a search. Run the same nine sources in the wrong order and you raise a third of the money.
Everything you get
What lands in your inbox, and what each piece does for you.
✓
The down-payment structuring chapter
Six ways to cover the equity injection a lender demands — seller standby, gifted equity, ROBS, investor notes, and two structures the SBA explicitly permits.
✓
100+ lenders doing 0% introductory capital
Named issuers with approval profiles and intro windows of twelve to twenty-one months, so you know who to apply to and in what order.
✓
Every SBA preferred lender, by state
Who actually closes acquisition loans where you are — and which ones will not look at a first-time buyer.
✓
The 9-layer capital stack
Every source ranked by cost and speed, so you always know which door to knock on next.
✓
The 30/60/90 funding sequence
The order to apply in, so one application does not quietly kill the next.
✓
Three worked sources-and-uses models
$250K, $500K and $1.2M purchases, showing exactly what lands on you at close.
✓
Lender approach scripts
For a commercial banker, an SBA preferred lender and a private credit desk. Word for word.
✓
Proof-of-funds and capability letters
Answer the seller honestly without pretending to money you do not yet have.
✓
The 14-document underwriting pack
Assemble the file once and reuse it at every lender you approach.
9capital layers
3worked stacks
14underwriting docs
$1.2Mlargest model
Chapter by chapter
Built to be used, not shelved.
01
The 9-layer capital stack
Seller notes, SBA 7(a), business lines of credit, 0% intro cards, HELOC, ROBS, revenue-based financing, equipment sale-leaseback, and investor participation notes — with when each is the right tool and when it is a trap.
Seller note
SBA 7(a)
Business LOC
ROBS
02
The 30/60/90 funding sequence
The exact order to open, stack, and draw so that one application does not damage the next. Sequencing is the difference between $40K and $250K.
Application order
Hard-pull timing
Seasoning windows
Draw schedule
03
Sources-and-uses worksheets
Three fully worked stacks at $250K, $500K, and $1.2M purchase prices — showing exactly how much buyer cash lands at close in each.
$250K stack
$500K stack
$1.2M stack
Cash at close
04
Lender approach scripts
What to say to a commercial banker, an SBA preferred lender, and a private credit desk. Word for word, including the questions that get you routed to a decision-maker.
Banker script
SBA script
Private credit
Referral asks
05
Proof of funds without funds
How buyers demonstrate capability to a seller before the money is committed — legally, honestly, and in writing.
Capability letter
Commitment vs. proof
Escrow basics
What not to do
The room you are actually in
The deal is real and the clock is running. You do not need theory. You need to know who to call, in what order, this week.
Guessing at capital
One bank, one answer, one no
Applications in random order
Hard pulls stacking against you
Predatory MCA offers
No proof of funds
Building a stack
Nine layers, sequenced
A 30/60/90 application order
Credit protected between draws
Priced, legitimate capital
Documented capability
What changes for you
Four moments this earns its keep.
1
Know who to call, and in what order
The sequence is the product. Same nine sources, wrong order, half the capital.
2
Stop burning your credit on the wrong applications
Hard-pull timing and seasoning windows keep each layer available for the next one.
3
Answer the proof-of-funds question honestly
A capability letter you can actually stand behind, instead of a screenshot you cannot.
4
See the whole deal before you commit
Sources and uses on one page tells you if the stack balances before the negotiation gets emotional.
Common questions
Before you buy.
No. Underwriting decisions belong entirely to lenders. This shows you how the stack is assembled, what each layer costs, and how to prepare a file that gets read.
No, but several layers work differently for first-time buyers. The playbook flags which layers need an operating entity and which do not.
Mostly. SBA and ROBS are US programs. The seller-note, revenue-based, and sale-leaseback layers apply broadly.
Instant PDF download after checkout, with the sources-and-uses worksheets included.
30-day refund, no questions asked.
What readers say
Why this works.
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