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.

The most expensive capital is not always the capital with the highest rate.Sometimes, it is the capital that costs you o...
06/25/2026

The most expensive capital is not always the capital with the highest rate.

Sometimes, it is the capital that costs you ownership.

Giving away equity can solve a funding problem today, but it can create control problems later.

More opinions.
More complexity.
Shared profits.
Less freedom.

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

When a buyer’s SBA 7(a) exposure limit is maxed out, a conventional note can be added in a Pari Passu position for additional capital. That can help support larger acquisitions without immediately bringing in outside investors.

For the right acquisition, debt may be the cleaner path.

The business still has to make sense.
The cash flow still has to support it.
The buyer still has to qualify.

But before giving away a percentage of the company, it is worth asking:

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

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

06/24/2026

Some lower middle market acquisitions are too large for a standard SBA 7(a) structure.

That does not mean the deal is dead.

And it does not automatically mean the buyer has to give up equity.

A Pari Passu structure may allow the SBA 7(a) exposure limit to be maxed out, then add a conventional note alongside it for additional acquisition financing.

In plain English:

It can help buyers pursue larger business acquisitions when the company has strong cash flow, even if there is limited real estate or hard collateral.

That is why the numbers matter.

The business still has to cash flow.
The buyer still has to qualify.
The structure still has to make sense.

But for the right acquisition, Pari Passu financing can be a serious option for buyers and brokers working on deals up to $10 million.

Before assuming equity is the only path, look at the debt structure first.

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

06/23/2026

The SBA is not usually the problem.

The problem is the person handling the SBA loan.

A lot of business owners and acquisition buyers hear horror stories about SBA financing and assume the program itself is slow, painful, or impossible to deal with.

But in many cases, the bad experience came from working with a lender, bank, financing source, or advisor who did not really understand SBA lending.

That is where files get stuck.

Documents are not packaged correctly.
Cash flow issues are not caught early.
SOP problems show up too late.
The borrower gets dragged through the process with no real direction.
The deal starts losing momentum.

That is not how business acquisition financing should work.

SBA loans can be complex, but complex does not mean broken.

When the right team understands the SBA process, the structure, the documentation, and the issues that can come up before closing, the process can move with more confidence and urgency.

At Lendway Capital Advisors, we are on a mission to change the negative perception of SBA loans.

Not by pretending they are easy.

By knowing how to structure them, package them, and help get the right deals to the closing table.

Because time kills deals.

And the right acquisition should not die because the wrong people were handling the financing.

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

A lot of business buyers focus only on the rate.That is a mistake.The structure matters just as much, and sometimes more...
06/17/2026

A lot of business buyers focus only on the rate.

That is a mistake.

The structure matters just as much, and sometimes more.

With SBA financing, the right acquisition may benefit from:

• Up to 75% financing
• No traditional commercial loan covenants
• No 3-5 year balloon payment
• Little to no prepayment penalty on many 10-year SBA loans
• The ability to roll certain closing costs into the loan

That can make a huge difference when buying an existing business.

Conventional commercial financing can come with requirements that business owners do not fully understand until they are already in the loan.

Minimum net worth requirements.
Fixed charge coverage tests.
Liquidity requirements.
Debt-to-equity restrictions.
Renewal risk when a balloon comes due.

SBA loans are not perfect.

But when they are structured correctly, they can be a very strong option for business acquisition financing.

The problem is not usually the SBA.

The problem is working with people who do not know how to get SBA deals across the finish line.

At Lendway Capital Advisors, we help structure business acquisition deals with urgency, experience, and a clear understanding of what the funding source needs to see.

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

An SBA loan can be a great tool.But in the wrong hands, it can become a nightmare.We have seen buyers and brokers lose t...
06/17/2026

An SBA loan can be a great tool.

But in the wrong hands, it can become a nightmare.

We have seen buyers and brokers lose time because someone involved did not understand how SBA acquisition financing actually works.

That usually leads to the same problems:

The deal is not structured correctly.
The documents are not collected early enough.
Cash flow issues are missed.
SOP problems show up too late.
The borrower gets dragged through the process with no clear answer.

That is not how business acquisition financing should work.

SBA loans can move efficiently when the right team is involved.

The file still needs to make sense. The buyer still has to qualify. The business still has to cash flow. The numbers still have to support the debt.

But when those pieces are there, the process should not sit and collect dust.

At Lendway Capital Advisors, we are on a mission to change the negative perception of SBA loans because we know where most of that frustration really comes from.

Bad process.

Bad structure.

Bad advice.

The right acquisition deserves better than that.

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

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

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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