Buying once is a project. Buying on repeat is a system.
BYOPE is for people who plan to buy more than one business: rollups, franchise groups, buyers building a portfolio. We hold the same seat on every deal, the one paid to be on your side: paperwork, lender file, and borrowing room kept ready between deals, so every closing is faster and cheaper than the last.
Built for buyers planning deal two through deal ten. Want deals brought to you? See the standing deal screen.
Days from signed offer (LOI) to funded, tap a deal
Composite timeline drawn from repeat-buyer engagements, details changed. Your pace depends on targets, lenders, and diligence. Not a loan offer.
Most buyers rebuild the machine every deal
The market rewards speed and certainty of close. Starting from zero each time surrenders both.
The file starts over
Personal financials, resumes, entity docs, projections. Rebuilt from scratch each deal, weeks lost before a lender sees anything.
Eligibility is a mystery
Guaranty exposure and affiliation rules compound with every company you own. Most buyers discover their SBA ceiling mid-deal, with money already spent.
Every lender is a first date
New bank, new questions, new pace. Without standing relationships, each deal re-runs the slowest part of the process.
Structure decisions expire
How you owned deal one quietly constrains deal four. Ownership improvised early becomes an unwinding project later.
Knowledge walks away
What worked with the last underwriter lives in an inbox. Nothing carries forward, so nothing compounds.
Sellers can smell it
Brokers steer deals to buyers who close. A buyer who fumbles financing twice gets shown fewer deals, at worse prices.
Acquisition infrastructure that stays standing
Standing deal file
Your buyer package, personal financial statement, entity docs, and projections template, maintained current so day one of any deal is day one of underwriting prep.
Eligibility map
Guaranty exposure, affiliation picture, and remaining 7(a) and 504 capacity across every entity you own, updated as the portfolio grows. How borrowing capacity works.
Lender fit map
A running shortlist of banks and CDCs whose appetite fits your deal profile, refreshed as your track record grows. You choose and approach the lenders; we keep the analysis current.
Per-deal structuring
Every live target gets the full treatment: 48-hour read, stack model, sequencing plan, and closing support. Same rigor, less runway.
Ownership architecture
Holdco and entity design that keeps future SBA capacity open, planned with your attorney and CPA before it gets expensive.
Portfolio reporting
One view of debt service, covenants, and performance across companies. What lenders want to see before they say yes again.
Set up once. Reuse forever.
Platform setup
Deal file built, eligibility mapped, ownership architecture reviewed, lender fit mapped. The machine gets built one time.
Per-deal sprint
Read, structure, prepare, approach, close. Everything from the buy-side engagement, running on rails that already exist.
Standing rhythm
Monthly capacity and pipeline session, materials kept current, portfolio reporting maintained. Ready is the default state.
Speed is the whole strategy
Micro PE returns are made at the buy, and the buy goes to whoever can close with certainty. After July 4, 2026, stacked SBA capital lets small operators run real acquisition programs with up to $10M of combined SBA capacity, managed against the exposure your portfolio already carries. The winners will not be the ones with the cleverest thesis. They will be the ones whose next close is already half done before the LOI is signed.
Cost per close drops
Setup amortizes across deals. Deal three carries a fraction of the advisory and diligence drag of deal one.
Certainty wins deals
Brokers remember who funded on schedule. Proof of close gets you the first call, sometimes before the listing.
Capacity stays open
Deliberate structure keeps SBA room available deal after deal instead of accidentally spending it early.
The file gets stronger
Every close adds track record to the package. Lenders price and prioritize accordingly.
The portfolio questions, answered
How is this different from hiring you deal by deal?
Can I keep using SBA loans as my portfolio grows?
Does the affiliation rule block multi-company ownership?
We are a franchise group. Does this apply to us?
What does the ongoing rhythm look like?
Start with buy-side structuring
The per-deal engagement on its own. Graduate to the platform when deal two appears.
ContextThe July 2026 rule change
Why stacked caps turned small operators into real acquisition programs.
Your targetsSell-side readiness
Send this to sellers in your pipeline. Loanable targets close faster for you too.
Book a Portfolio Strategy Call
Bring your current holdings and your pipeline. You leave with your real SBA capacity, your structural risks, and what deal-ready would look like for you.
Book the CallFree 30 minutes. hello@clariqadvisory.com