What I'm Looking For
High return on capital, asset-light operations
Florida-based (South Florida preferred) for a physical business, or anywhere in the US for an online or relocatable one
Simple businesses
Some sort of moat protecting the business
No customer, channel, affiliate or platform > 20% of gross profit; top 3 <45%
Deal Criteria (SBA Eligible)
5+ years in business
$750,000+ SDE
Valuation within approximately a 3x SDE multiple or less
Existing management structure in place or key personnel who run the day to day
SDE Margin greater than 15%
Hard Exclusions
Single-SKU or single-platform e-commerce
growth requiring rising ad spend at flat or falling gross margin
founder is the salesperson or the brand
single-country sourcing with tariff exposure
carve-outs without standalone returns
real-estate-heavy or capital-intensive
startups, pre-revenue, turnarounds
declining without an identified and reversible cause
regulatory gray areas
$1M+ working capital beyond the loan