SBA Financing Counsel for Logistics & Distribution Acquisitions
When the deal is logistics and distribution and the question is SBA Financing, the structure decisions in the first 30 days outlast the next five years. This is where Jason Powell works.
Logistics & Distribution deals in the lower middle market run a specific playbook. SBA Financing is where the structure either holds or starts to leak.
The typical logistics and distribution platform sits at $12M to $140M EV with EBITDA in the $3M to $22M range. The thesis runs on regional acquisitions of brokerages, 3PLs, and last-mile operators. Fuel-volatile years make for clean entry multiples. Read the math, not the narrative.
How SBA Financing actually gets structured.
Confirm eligibility against SBA size standards before signing the LOI.
Structure personal guarantees with care; SBA lenders require them but they can be narrowed.
Plan the seller note as on-standby debt, supporting the SBA loan covenant package.
Time the SBA approval process into the closing schedule; allow 90 days from full application.
In logistics and distribution, layer in earnout indexed to gross margin, not revenue as part of the SBA Financing workstream.
Promising the seller an SBA-funded close in 60 days. SBA does not move at LOI speed.
"SBA debt is the cheapest money in the independent sponsor market. The trade is paperwork and time."Jason Powell · SBA Financing
The deal is one thing. The capital that opens up after close is another.
Most independent sponsors solve the closing capital and then run into the post-close capital problem alone. The capital markets relationships that matter at month 18 are part of this practice.
Related deal pages.
Transaction Fee Structuring for Logistics & Distribution
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Working Capital Adjustments for Logistics & Distribution
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Representation & Warranty Insurance for Logistics & Distribution
A buyer-side insurance product covering breach of seller representations, reducing seller escrow and indemnit…
Indemnification for Logistics & Distribution
The seller's contractual promise to compensate the buyer for breaches of representations, covenants, and spec…
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Bring the logistics and distribution deal. Get SBA Financing done right.
Direct counsel from a securities and M&A attorney with billions in structured transactions, the independent-sponsor-native playbook, and the capital markets network that opens up post-close.