OSBC Streamlines Complex $2.625M SBA 7(a) Loan for Residential Care Facilities Acquisition

A $2.625M SBA 7(a) loan was structured for the acquisition of five residential care facilities, including real estate, FF&E, inventory, closing costs, and working capital.

The business fundamentals were strong.

The friction came from structure.

Multiple facilities under one transaction created complexity around cash flow allocation, repayment interpretation, and portfolio risk.

OSBC stepped in to simplify the narrative, clarify repayment strength across all five facilities, and align the file for underwriting review.

Once the structure was clearly presented, the deal moved forward and closed at $2.625M.

In multi-asset SBA transactions, complexity is expected.

Clarity is what keeps deals moving.

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