SBA Capital Solutions Consultant

Gregory Wilcox

SBA Capital Solutions Consultant

Gregory Wilcox is an SBA Capital Solutions Consultant with Advanced Lending Solutions and more than 16 years of experience in commercial and SBA lending. His work includes financial analysis, loan structuring, and preparation of business plans, projections, and credit packages.

Gregory helps small business owners evaluate SBA 7(a), SBA 504, USDA, and conventional financing. His work covers program eligibility, financial statement and global cash-flow analysis, loan structuring, credit memoranda, and preparation of business plans and projections. He guides clients through documentation and lender requirements, including SBA Standard Operating Procedures.

His experience includes capital advisory work with the New Jersey Small Business Development Centers, commercial loan brokerage, and small-business relationship management at Santander Bank. He has worked with businesses in professional services, trucking, construction, and manufacturing.

Gregory holds an American Bankers Association Certificate in Commercial & Business Lending. His professional development includes Omega Credit Training in financial statement analysis and credit facilities, as well as training in relationship sales and risk assessment.

At SMB Market Deals, Gregory writes practical guides to acquisition financing and small-business deal evaluation. He also works with Advanced Lending Solutions and is listed in our financing broker network. Financing eligibility and approval remain subject to the lender's review.

Articles

Seller Financing for a Small Business Acquisition: How Buyers Should Structure the First ScreenCompare seller-note payment schedules, total debt service and standby terms with a worked $1 million acquisition example and dated SBA requirements.Car Wash Business for Sale Checklist: What Buyers Should Verify FirstA car wash purchase combines an operating business with site, equipment and membership risks. Price the business and any real estate separately, verify recurring revenue, and fund immediate repairs before treating the asking price as the whole project. Start with the site, then test the cash flow.Laundromat Profit Margins: How Buyers Should Underwrite the Real NumbersA laundromat can show a 30% operating margin and still leave its buyer no cash after financing and withdrawals. The worked example below shows exactly how. Define the margin, verify revenue and utilities, and separate store economics from the price and financing used to buy it.How to Value a Small Business: Multiples, SDE, and Buyer Cash FlowUse reported transaction multiples, verify add-backs and calculate how a $750,000 asking price changes against seller-presented and transferable earnings.How to Compare Local Markets Before Buying a BusinessA market comparison should explain why a specific customer base can support a business after operating costs and acquisition debt. A cheap listing can still create a profitability problem if demand is weak or customers cannot conveniently reach the site.HVAC Business Valuation Multiples: What Buyers Should Check FirstBizBuySell reports a 2.83x average earnings multiple for HVAC sales in its Q3 2021–Q2 2026 dataset. Use that as context, then verify the earnings underneath your target's multiple.Best Businesses to Buy With $100k Down: How to Screen RealisticallyThe best business to buy with $100k down is not a universal category. It is the business where your cash, financing structure, operating ability, and local market all fit at the same time.How to Buy a Laundromat Without Overpaying for Old MachinesA laundromat can look simple from the outside: washers, dryers, rent, utilities, and customers who need clean clothes. The diligence is less simple.SBA Loan to Buy a Business: What First-Time Buyers Should Know Before ApplyingPrepare an SBA acquisition package with a $1 million sources-and-uses example, buyer injection math and the rules changing on October 1, 2026.Business Acquisition Calculator: How to Screen a Deal Before Calling a LenderReproduce acquisition loan payments, distinguish business DSCR from buyer affordability, and test revenue, interest-rate and seller-note stresses before a lender call.