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Ask the Expert!
Question from Anna: "Does the SBA (Small Business Administration) make loans?"

Answer: Anna, thanks for asking. In most cases the SBA, does not make loans. It guarantees loans for banks which tends to make banks more agreeable to financing small business deals, particularly acquisition loans. Generally banks with SBA guarantees are more likely to make loans that have collateral (security) issues. Banks are almost always asset based lenders. They want to have enough assets so that if a loan goes bad they can seize and sell the assets to recover the loan funds. SBA guarantees can help fill that gap. Sounds good but there are caveats. SBA loans can be more expensive than conventional loans. More fees, etc. The exclusive Loans4Biz ( program created by CBI TEAM can help cut through red tape and get the best loan for a buyer (and for the seller). Call Kelly Tivis at 479-770-8989 if you need more help. 

We want to hear from you, our readers! Send in your questions to
and we'll have your answers in our next newsletter.

Need some encouragement?

"Because the business you want to buy isn't for sale!"

TAP, or Target Acquisition Program is the perfect program to find the right business for you. Too often potential business owners go no further than looking at business listings, simply because the right business for them does not seem to be available. That is where the TAP program comes in. You provide the type of business you are looking for, as well as the general geographic area, and the CBI TEAM does the rest. We'll send out letters, and call business owners, letting them know that a serious buyer is interested in purchasing their business. Sometimes the notion of a serious qualified buyer is all it takes to turn the perfect business that isn't for sale into your new business.  Contact the CBI TEAM today at or call 877-582-5200 for more information on how a TAP can find the business you've been looking for

"When lenders compete, sellers and buyers win"

Right Now is a Great Time for a Business Loan

Anticipated interest rate increases, changes to SBA Guidelines and optimism of small business owners make this a great time for obtaining a business loan. 

The prime rate which is used as a basis for calculating many other interest rates, including rates for SBA 7(a) Business Loans, is still low but is on the rise. Factoring in the last increase, the Wall Street Journal Prime Rate (a measure of the U.S. prime rate) now sits at 4.5% - up from 3.5% a year ago - and a majority of economists expect several more increases to this rate in 2018. Negotiating a fixed interest rate now will lock a lower interest rate in place. 

Changes to SBA 7(a) Business Loan guidelines effective Jan 1, 2018 mean lower down payment requirements for business loans. 

Equity Injection on a business acquisition loan is now 10% of the total loan package. 

Equity Injection requirements on a business start-up loan can be as low as 10% and business expansion loans can be obtained for as little as 0% down. 

Small business optimism is way up. Here is an excerpt from the opening summary of a news release in the latest issue of the NFIB Small Business Economic Trends: 

Not since the roaring Reagan economy has small business optimism been as high as it was in November, according to the National Federation of Independent Business (NFIB) Index of Small Business Optimism, released today.

"We haven't seen this kind of optimism in 34 years, and we've seen it only once in the 44 years that NFIB has been conducting this research," said NFIB President and CEO Juanita Duggan. "Small business owners are exuberant about the economy, and they are ready to lead the U.S. economy in a period of robust growth."

With the current combination of historically low interest rates, lower down payment requirements and small business optimism, right now is a great time to obtain a business loan. Through our Loans4Business program, we can help you find a loan that meets your need - whether it be a loan for a business acquisition, start-up or expansion. 

To learn more about the benefits of using the Loans4Business ( program contact the CBI TEAM today at or call 877-582-5200 for more information. 

Multi-Unit Franchising

As a college student, Sue became interested in franchising when she heard a franchise in the burger industry speak at her college. Years later, she learned of the remarkable growth experienced by that same franchise. She began to pursue franchising while she was still working as a corporate attorney for a large retailer. Then, when she got married and moved to another state, her pursuit went into full throttle. She has found satisfaction as a multi-unit franchisee in the juice bar industry. Now she hopes to build a portfolio of franchises across various brands nationally and internationally. 

Have you dreamed of doing what Sue did?
 Multi-unit franchising with a variety of franchises is very rewarding and satisfying for many people. It all starts with your very first franchise!

To learn more about franchise opportunities at NO COST to you, email or click HERE to complete a quick franchise interests survey. 

"Confidentially Helping People Buy Businesses to Secure Their Financial Future"

About Us|Buy a Business|Contact Us

The CBI TEAM would like to wish you and yours a Happy and Prosperous New Year

(From Left to Right: Christy Milligan, Seller and Marcie and Michael Apel, Buyers)

SOLD! Cupcakes On Kavanaugh

Cupcakes on Kavanaugh, a Little Rock favorite located in the trendy Hillcrest District, changed ownership on Thursday, November 30, 2017. The previous owner and found, Christy Milligan, sold the thriving cupcake bakery to new owners Marcie and Michael Apel of Little Rock. Marcie will run the business and plans on keeping it in its current location. The business will continue to serve local residents and Central Arkansas its delicious and gourmet cupcakes! 

Christy founded the business in 2008 and built it into one of Central Arkansas' favorite bakeries, serving specialty gourmet cupcakes and other delicious treats. Located in the original spot off Kavanaugh in Hillcrest, Cupcakes on Kavanaugh developed an unmatched reputation over the last ten years under Christy's guidance and direction. Recently she began to pursue other business ventures and felt as if it was time to move on to another chapter of life by selling the bakery. However, she did not want to sell it to just anybody, and after trying herself, thought it best to pursue the services of a professional team to best help her sell the business to the right buyer. 

Her search did not take long as she was quick to find CBI Of Central Arkansas, part of The CBI TEAM and Arkansas' largest and most successful Business Brokerage firm. She enlisted the services of Owner Connor Grimes and Shep Campbell, Senior Intermediary, in order to confidentially list and sell her business. 

CBI Was engaged in April of 2017, and 7 short months later found the perfect buyers in Marcie and Michael Apel. Christy knew these were the right buyers, and the Apels were thrilled with the opportunity. Thus a deal was quickly reached, and the closing was conducted with smoothness and efficiency. The keys exchanged hands on a Thursday morning, and the Apels were off and running. They look to carry Cupcakes on Kavanaugh into the next generation of ownership, building on the already solid foundation laid by Milligan. So stop by and say hello to the new owners, and continue to enjoy your gourmet cupcakes for years to come. 

(From Left to Right: Dr. Peter Jeppsen, Seller and Dr. Brandon Stroope, Buyer)

SOLD! Summit Dental Clinic 

Dr. Peter Jeppsen recently sold Summit Dental of Siloam Springs, Arkansas to Dr. Brandon Stroope. Casey Grimes, CBI TEAM dental and orthodontic specialist was the Intermediary for the transaction according to Northwest Arkansas CBI TEAM office owner Carl Grimes. Dr. Jeppsen is moving to Colorado and Dr. Stroope, who has been in practice in Central Arkansas, has moved to Northwest Arkansas. If you are considering selling or buying a dental or orthodontic practice, Casey Grimes has built a large database of practice owners and potential buyers. 

SOLD! Richardson Plumbing In Little Rock, Arkansas

The Central Arkansas and Northwest Arkansas CBI TEAM offices teamed up to help Bradley Richardson sell the business and real estate. In the process of doing so we added to our huge buyer database of those who are seeking to buy, expand and sell plumbing businesses. If you are interested in selling or buying contact us at or call 877-582-5200 for a confidential, no-obligation consultation. 

(From Left to Right: William Anderson, Buyer and Franklin Carter, Seller.)

SOLD! Juan's Mexican Restaurant

Juan's Mexican Restaurant in Fort Smith has been sold according to Mark Kincannon Owner/Managing Partner of the CBI TEAM Fort Smith River Valley. Mark Kincannon met Franklin Carter via a phone call in 2015. Two years later and ready for retirement, Franklin remembered that conversation when he decided he was ready to sell Juan's Mexican Restaurant, the business he'd owned for 30+ years. 

Franklin engaged the CBI
 TEAM Fort Smith-River Valley, Juan's was listed in May and by July Mark and Business Intermediary Isaac Davis had found the buyer. Entrepreneur and small business owner Will Anderson was introduced to this listing via an "Opportunity of the Week" presented on Social Media. Will was immediately interested in acquiring Juan's as a new investment and was able to utilize our proprietary Loans For Business ( financing program to ensure he found the best available financing option. 

Business intermediary Isaac Davis facilitated the sale, managing negotiations, due diligence, and closing. 

 TEAM Fort Smith-River Valley is happy to assist both the seller and buyer in accomplishing their goals. 

Will mentioned that he appreciated CBI
 Fort Smith-River Valley helping him accomplish his investment goals and that everything went great from his perspective. He also mentioned that he would appreciate us bringing additional opportunities to him for evaluation. 

(From Left to Right: Keith Toller, Seller, and Buyers, Ryan Herron and Michael Putzke)

SOLD! Blue Monday Laundry

Roy Still, owner of the Tulsa CBI TEAM office, recently facilitated the sale of the assets of a well-known Tulsa metro area laundromat. The seller Keith Toller, in addition to the two laundries known as Blue Monday, owns and operates two retail stores in Tulsa which keep him busy. He decided that after ten years, it was time to lighten his daily responsibilities by selling the laundries. 

The buyers, Ryan Herron and Michael Putzke both work for Yorktown Bank at Utica Square as VP/Relationship Managers and are partners in several investments and saw the value that Blue Monday Laundries would bring to their portfolio. 

Tanning Salons In Central Arkansas

Revenue: $766,899
Seller's Discretionary Earnings: $221,456
FF&E: $249,462

This high end tanning salon is an industry leader in its market. It comes with multiple locations all networked together, a knowledgeable and experienced staff, a huge six figure cash flow, a wide variety of services and an unmatched reputation in its market.

Revenue: $604,528
Seller's Discretionary Earnings: $191,362
  • Long-term established plumbing service company in Little Rock Area
  • Averaging $175,000 Seller's Discretionary Earnings per year since 2014
  • In business more than fifty years -- all under current owner. 


Home based and part time existings Northwest Arkansas vending business for sale. 9 of 10 machines are in place generating $1,250 per month in sales. Part time business perfect for student or retiree. Health forces sale. All reasonable offers will be considered.

Revenue: $198,817
Seller's Discretionary Earnings: $131,095

Niche consulting business focused on Quality Management, Quality System development, ISO
 implementation, auditing, training, and other services has been thriving for almost 20 years. Growing by leaps and bounds over last year and earns more than $130,000 a year in Seller's Discretionary Cash Flow for the seller. 


Revenue: $694,810
Seller's Discretionary Earnings: $162,716
FF&E: $59,501

Won't last! Step into an exciting business with $130,000+ in yearly seller discretionary cash flow, serving the needs of Northwest Arkansas for 10+ years. 

Revenue: $3,071,918
Seller's Discretionary Earnings: $210,742
FF&E: $127,000

The business consists of a small chain of four gift and social expression stores in Central Arkansas. The merchandise selection is an assortment of gifts for celebrating birthdays, weddings, graduations, births, anniversaries, and holidays.

For more info on any of the new or updated listings above please contact us at (877) 582-5200 or

To view a list of all businesses for sale browse our website at

Company Profile

The CBI TEAM is the largest business brokerage network in Arkansas. Since 1994 we have helped people sell and acquire businesses in  one of the fastest growing regions. With offices in Northwest Arkansas, Fort Smith Arkansas, Central Arkansas, and Oklahoma,  the CBI TEAM is the only business brokerage firm with offices in each of those areas. 

CBI manages the entire business sales process, from helping the seller arrive at a reasonable, market-driven price for the business, to helping the buyer to arrange financing so that the seller gets the most compensation at closing.

CBI is the one-stop intermediary for all business sellers and buyers.

Carl Grimes, Owner
Serving the Northwest Arkansas area
Contact us at (479) 770-8989 or

Connor Grimes, Managing Partner
Serving the Central Arkansas area
Contact us at (501) 404-4980 or

Mark Kincannon, Managing Partner
Serving the Fort Smith/River Valley, Arkansas area
Contact us at (479) 784-9522 or

Roy Still, Managing Partner
Serving the Tulsa, Oklahoma area
Contact us at (918) 940-6437 or