Jared W. Johnson
Jared Johnson is one of the top-producing SBA Business Development Officers in the country, with over $825 million in funded loans. He’s the first ever multi-year winner of the Coleman Report’s SBA BDO of the Year award and is recognized for his expertise in business acquisition financing. Jared also hosts the Before You Buy or Sell a Business podcast and brings firsthand insight as a former business owner and investor. He invests time into educating buyers and sellers on the process through his podcast and various speaking engagements.
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My origins in YouTube
Back in 2008, I uploaded my first video with nothing more than curiosity and a passion for sharing ideas. It was the start of an exciting creative journey.
Over time, that simple beginning grew into a platform for expression, connection, and learning—shaping my skills and building a community along the way.
350+ Videos
A small story about a big dream —
What began as a simple idea quickly turned into a vision with purpose. Guided by passion and determination, every challenge became a stepping stone toward growth and success.
From modest beginnings to notable milestones, the journey reflects dedication, resilience, and belief in the dream. Each achievement proves that even the smallest start can create something extraordinary when fueled by commitment, creativity, and a clear vision for the future.
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SBA Loans
The amount of information regarding SBA loans and business acquisitions is scarce and causing buyers and sellers to become frustrated. The amount of misinformation is even more alarming. The vast majority of problems have arisen from the substantial difference in each banks credit philosophy when it comes to business acquisitions. I would venture to guess that only 5 of the several thousand active SBA lenders complete somewhere around 70% of all business acquisitions that use SBA financing to complete the transaction. Let that sink in for a minute. Please make sure you are working with a very experienced SBA lender who specializes in business acquisition financing.
SBA lenders typically look at the seller’s information first and foremost to make sure the business is priced accordingly and there is enough cash flow to cover the loan payments. The cash flow utilized by the lender to determine loan repayment ability can drastically differ in comparison to what is listed on the brokers write up or marketing materials. Keep in mind that SBA lenders are required to use tax returns and you’ll find it very unusual that a lender will allow any undocumented addbacks.
SBA Lenders usually use EBITDA, officer’s compensation, and occasionally owner’s auto expense. There are of course situations that make sense to use much more than this, but they will certainly never use unreported income (cash held off books) or outrageous seller’s expenses that are not a normal part of business- personal expenses like credit card spending and home renovations, etc. Please keep in mind that the SBA essentially does not want lenders aiding and abetting tax fraud. The cash flow used by a lender will typically be the same that a required third party appraiser will use as well so even if the deal has enough cash flow the appraisal also needs to support the purchase price.
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Five-Year Performance Highlights
- 280 SBA loans closed
- $406MM funded
- Over 15,000 hours invested in deals
- $18MM funded in year one
- $159MM funded in the last 12 months
- Record month: December 2023 with 13 loans for $21.5MM
- $36MM in revenue generation for the bank (estimated)
“Jared has an extraordinary ability to connect the dots between lenders, brokers, and buyers. His presentations are always engaging, practical, and filled with actionable insights. He truly is a thought leader in SBA lending.”
“Having completed hundreds of millions in SBA lending, Jared brings a unique perspective that only comes with years of experience. His insights into the lending process have helped countless entrepreneurs achieve their dream.”
“With Jared’s guidance, we were able to structure SBA financing that not only made sense for our client but also set them up for long-term success. His professionalism and expertise make him a trusted partner in the industry.”
“Jared’s depth of knowledge in SBA lending is unmatched. His ability to simplify complex financial processes has been invaluable for both brokers and business owners alike. Working with him gave me the confidence to move forward.”
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