SBA 7(a) loan fuels acquisition and expansion of premier pet care business

Introduction

Strategic capital driving business transformation. Cornovus Capital arranged an SBA loan for pet care business supporting the acquisition and expansion of a leading regional pet care and grooming facility. The financing provided long-term capital to fund ownership transition, facility improvements, and working capital reserves—positioning the borrower for sustainable growth in a competitive market.

The SBA loan for pet care business acquisition financing was structured to provide a comprehensive solution addressing ownership transfer, modernization, and expansion under a single execution. By utilizing SBA 7(a) program advantages, Cornovus Capital optimized the borrower’s debt structure and reduced upfront equity requirements while supporting long-term scalability and profitability.

Through close coordination with the buyer and seller, Cornovus Capital ensured a seamless ownership transition and timely closing. The project exemplifies Cornovus Capital’s commitment to designing capital strategies that strengthen business operations, facilitate growth, and enhance competitive positioning in the small business market.

Challenge

Financing a business acquisition with operational expansion. The borrower required a capital structure capable of combining acquisition financing with facility upgrades, equipment purchases, and working capital under a unified SBA 7(a) structure. Balancing loan proceeds to cover multiple uses while maintaining SBA eligibility required precise coordination and underwriting discipline.

Integrating acquisition, equipment, and expansion funding under one SBA loan
Coordinating between buyer, seller, and SBA lender for timely closing
Maintaining business continuity and customer retention during transition
Aligning loan structure with projected cash flow and debt service coverage
Meeting facility upgrade timelines within the SBA-approved budget

Solution: SBA 7(a) loan for pet care business acquisition and growth

Customized SBA 7(a) financing enabling acquisition, modernization, and working capital stability. Cornovus Capital structured an $853,750 loan combining real estate improvements, equipment funding, and post-closing liquidity. The financing featured competitive floating rates tied to WSJ Prime, full amortization, and borrower-friendly prepayment options to support future expansion and financial flexibility.

In addition to acquisition proceeds, the SBA 7(a) financing included working capital and facility improvement funds for remodeling, signage, and service-area expansion. The loan’s structure mirrored the SBA 7(a) Business Loan Program, offering comprehensive coverage for operational continuity, modernization, and long-term borrower success.

$853,750 total financing supporting acquisition and expansion
10% equity injection demonstrating borrower commitment and alignment
25-year amortization structure with competitive SBA 7(a) terms
Funding for equipment, leasehold improvements, and working capital
Collateral: business assets, real estate, and personal guarantees
Flexible prepayment options supporting growth and early payoff

Results

Empowering small business ownership through SBA 7(a) financing. The SBA loan for pet care business enabled new ownership to execute a successful transition while launching an expansion strategy. The project strengthened revenue growth, improved brand visibility, and positioned the company for sustainable long-term success.

Ownership transition completed with uninterrupted operations
Revenue growth driven by expanded service capacity and modernized facility
Improved operating margins from equipment upgrades and process efficiency
Enhanced customer experience through rebranding and renovation
Company positioned for regional expansion under strengthened leadership

Explore more recent financing case studies in our Transaction Highlights archive.

About Cornovus Capital

With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability.

Our expertise spans SBA 7(a) and 504 loans, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. By focusing on certainty of execution and closing assurance, we guide businesses and investors through complex financial landscapes, securing funding tailored to their long-term objectives.

Why partner with Cornovus Capital?

At Cornovus Capital, we understand that complex transactions require sophisticated financing solutions. Whether repurposing commercial assets, structuring high-leverage debt, or integrating municipal incentives, we deliver capital strategies designed for certainty and efficiency.

What sets us apart

Advisory expertise in SBA 7(a) and 504 financing for small business growth
Proven experience in acquisition, expansion, and working capital transactions
Customized capital solutions designed for operational and market scalability
End-to-end advisory and execution support from underwriting through closing

Contact Cornovus Capital

For small business owners seeking SBA financing for acquisition, modernization, or working capital, Cornovus Capital delivers expertise, efficiency, and certainty. Our advisory approach ensures capital alignment across all business and real estate needs.

Email: info@cornovuscapital.com
Phone: 513-993-3044
Website: CornovusCapital.com