Structuring LOIs: Competitive Enough to Win, Bankable Enough to Close.

An LOI can earn an A+ from the seller and still get an F from the bank.

Join top SBA loan broker Heather Endresen for a practical discussion on how to structure an offer that is competitive enough to win the deal—but realistic enough to finance and close.

Heather covers:

• Why the offer a seller prefers may not always work for an SBA lender
• The LOI terms that can affect whether a deal is financeable
• How purchase price, buyer equity, seller financing, and working capital fit together
• How to make an offer more attractive without creating an unbankable structure
• Common commitments buyers make before understanding what a lender will support
• How to preserve enough flexibility for underwriting, diligence, and negotiation
• What a balanced LOI looks like from the perspectives of the buyer, seller, and bank