Commercial Financing Advisory

The Right Financing to Buy, Grow,
or Optimize a Business.

Whether you're acquiring your first business, adding on to an existing platform, refinancing acquisition debt, or pursuing a larger non-SBA deal — our team is built to get you to the closing table.

No upfront fees — compensated by lender at closing
Founded 2022 by Matthias Smith
115+ deals successfully closed
Firm Performance● Updated Q1 2026
$179M+
Closed Financing Volume
Since May 2022
87+
Deals Successfully Funded
Across all verticals
$195M+
Matthias' SBA Experience
Personal loan history
~62
Days Average Close
LOI to funding

Pioneer Capital Advisory is a commercial loan brokerage. We are compensated by the lender after closing — not by you.

Featured in & Presented at
Rice ETA 2025Booth-KelloggAcquiring MindsSearchfunderChicago ETA

"The team at Pioneer Capital Advisory made a complex process feel completely manageable. Closed in 68 days."

— Devi Lanka, Operator

What Are You Looking to Do?

Select your financing path below — each vertical has its own dedicated team, lender network, and engagement process.

Vertical 1 · SBA

Business Acquisition Loans

First-time buyers and self-funded searchers acquiring SMBs using SBA 7(a) financing within program limits.

  • $500K – $5M loan range
  • 10-yr amortization, no balloon
  • Seller note standby eligible
  • ~75 days LOI to close
Vertical 2 · SBA

Expansion & Add-On Loans

Existing operators and PE-backed buyers financing add-ons to a platform using SBA 7(a) within program limits.

  • Platform operators & PE-backed
  • Add-on acquisition financing
  • Integrated with existing entity
  • SBA-eligible structure
Vertical 3 · SBA

SBA Refinance Loans

Existing SBA loan holders refinancing into better terms — lower rates, improved cash flow, or restructured capital stack.

  • Seasoned SBA loan holders
  • Rate & term optimization
  • Improve monthly cash flow
  • SBA refi eligibility criteria apply
Vertical 4 · Non-SBA

Non-SBA / Ind. Sponsor

Independent sponsors and institutional buyers accessing private credit for deals that exceed SBA program limits.

  • $2M+ EBITDA deal profile
  • Unitranche, senior, mezzanine
  • Independent sponsor friendly
  • Private credit lender network

How We Work

A structured, six-step process designed to move deals efficiently from first call to funded — across all four financing verticals.

01

Discovery Call

We evaluate your deal profile, lender fit, and SBA eligibility in a focused 30-minute call.

02

Deal Structuring

We structure the financing to maximize your purchasing power and protect your working capital.

03

Lender Matching

We match your deal to the right lender from our vetted network — no cold submissions.

04

Application & Packaging

We prepare and submit a complete, lender-ready package to minimize back-and-forth.

05

Underwriting Support

We stay in the deal through underwriting, responding to conditions and keeping timelines tight.

06

Closing

We coordinate with all parties to get you to the closing table — typically within 75 days of LOI.

Common Questions

Answers to the most common questions across all four financing verticals.

Let's Find the Right Financing for Your Deal.

Book a call with our team. We'll assess your deal, identify the right vertical, and outline a clear path to closing.