Find the page that matches your file. Each one is written for the operator side of the table, not the lender side.
Buy something
Acquisitions covered by the program: an operating business, a building, equipment, a competitor, or a buyout of the founder by the management team.
CSBFP for buying a business
First-time acquisition mechanics. Asset versus share, the goodwill problem, deposit and closing-day cadence, sub-limit math on a typical acquisition file.
CSBFP for buying a building
Owner-occupied real property under the $1,000,000 ceiling, with the 50% business-use rule, AACI appraisal expectations, and how the real-property line interacts with the rest of the file.
CSBFP for buying equipment
The program's sweet spot. Eligible categories across every sector, what doesn't count, useful-life amortization, and the 365-day refinance pattern for already-purchased equipment.
CSBFP for acquiring a competitor
Strategic-roll-up file shape. Related-borrower combined-exposure rules, customer-base retention risk, cannibalization analysis, earnout and retention-payment structures.
CSBFP for a management buyout
Management team acquiring from the founder. Asset-purchase structuring, the management team's collective personal-guarantee capacity, vendor takeback stacked alongside CSBFP, the founder's transition role.
Restructure ownership
When the entity stays intact but ownership changes — typically share-purchase structuring outside CSBFP's asset-purchase orientation, with the program playing a supporting role.
CSBFP for a partner buyout
One co-owner buying out another. Why share-purchase consideration usually doesn't fit CSBFP, where the program does play (existing-loan restructure, departing-partner guarantee release, post-buyout working capital).
Build, expand, or move
Capital investments in premises and operating footprint: new build-out, opening a second location, relocating an existing business.
CSBFP for renovations and build-out
Leasehold-improvement scope, landlord-versus-tenant work split, lease-term-to-amortization constraint, contractor deposit and progress-payment bridge.
CSBFP for opening a second location
Expansion file with the first location's operating history strengthening the underwriting. Operator-capacity-for-two-units, working-capital ramp planning, related-borrower limits across both units.
CSBFP for relocating a business
Moving an existing operation to new premises. What's financeable at the new site versus the substantial unfinanceable move costs (movers, lease-cancellation penalties, restoration, business interruption).
Fund operations
CSBFP's narrow working-capital provisions: two distinct $150,000 caps with specific eligible uses and an explicit list of what they won't fund.
CSBFP for working capital
The two distinct working-capital lines under the program (term-loan sub-limit + separate LOC), what they actually pay for, the disqualified uses (existing payables, shareholder loans, tax arrears, dividends).
Convert existing arrangements
Where an existing non-CSBFP capital structure converts into CSBFP-financed ownership — typically exercising a purchase option on a leased asset.
CSBFP for converting a lease to an ownership purchase
Exercising the end-of-term or mid-term buy-out option on an equipment lease. Three lease types and which fit, fair-market-value versus stipulated-residual pricing, remaining-useful-life amortization constraint.