A Couple in Pennsylvania Needed $3M to Buy a Horse Farm, We Got Them SBA Funding

The Business

In Chester County, Pennsylvania, a husband-and-wife team set out to fulfill their dream: owning and operating an equestrian training facility. They had found the perfect property, one that came with both the land and an established business, and they were ready to take the leap.

This was more than a transaction. It was the opportunity to align their professional goals with a lifestyle they had envisioned for years. But buying an equestrian property and business is a major financial commitment. To turn their dream into reality, they needed the right loan structure.

The Challenge

The couple had a signed purchase agreement for nearly $3 million. The problem was that most traditional lenders would require at least 20% of that purchase price as a cash down payment. Coming up with $600,000 in cash would have put their dream out of reach.

They needed a loan that could finance the majority of the purchase without saddling them with an impossible upfront requirement. At the same time, they needed repayment terms that would keep monthly debt service affordable. Without a solution, the deal could have fallen apart before closing.

They weren’t just looking for a loan. They were looking for a funding partner who could guide them through the complexity of acquiring a large property and business with SBA support. That’s when they turned to Small Business Funding.

The Solution

From the beginning, we recognized this acquisition was a strong candidate for an SBA-backed loan. The property and business created a tangible, valuable collateral base, which gave us room to structure financing in a way that balanced affordability with stability.

We focused on an SBA 7(a) loan for three key reasons:

• Lower down payment: With SBA terms, they would only need to contribute 5–10% down, not the 20% demanded by conventional lenders.
• Extended repayment term: Because the purchase price was largely tied to real estate, we could extend the payback period to 25 years, spreading out monthly payments and easing debt service.
• Local lender fit: We worked with a trusted SBA lender in southeastern Pennsylvania to ensure the financing moved smoothly.

Of course, securing an SBA backed financing of this size is not simple. There is a significant amount of paperwork, due diligence, and negotiation required. Our role was to walk with the couple from start to finish. We helped them assemble the necessary documents, prepare for lender and SBA requirements, and negotiate terms that would satisfy the bank while keeping the sellers engaged until closing.

By guiding them through each step, we kept the process on track and positioned them to succeed.

The Results

With financing approved, the couple closed on the purchase and became the proud owners of their own equestrian training facility. The SBA 7(a) loan allowed them to:

• Buy the property and business with a manageable down payment.
• Secure repayment terms spread over 25 years to keep monthly debt service affordable.
• Complete the transaction without losing momentum or risking seller withdrawal.

Instead of being held back by impossible cash requirements, they moved forward with confidence. Their dream of owning a horse farm became a reality.

Today, the couple operates their equestrian business from their new facility. They didn’t just buy land. They invested in a long-term vision for their work and lifestyle, and they did it with financing structured to support growth and sustainability.

Customer Confidence

For this couple, the loan wasn’t only about dollars and cents. It was about finally realizing a dream they had carried for years.

The SBA process can be complex, but with the right guidance, even large acquisitions are within reach for small business owners. Their story proves that aspiring entrepreneurs don’t need to give up when traditional lenders demand more than they can afford.

With the right structure and the right partner, big goals become possible. Small Business Funding helped this couple buy the farm they had always wanted, and in the process, gave them the reassurance that they could take on a major acquisition with confidence.