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All About SBA

Understanding SBA Financing

The Small Business Administration (SBA) offers several loan programs, but the 7(a) Loan Program is the undisputed flagship of their lending programs. It is a versatile tool used for:

Business Acquisitions: Purchasing an existing company from another party.
Startup Funding: Launching a brand-new entity.
Working Capital & Debt Refinance: Optimizing cash flow for established businesses.

While Main Street Funding Group is well-versed in all facets of the 7(a) program, our primary focus is on Business Acquisitions. This is widely considered the most complex area of SBA lending, requiring a level of precision and expertise far above what is needed for financing on an existing business.

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Clearer focus, less stress, proven results.

Lender Industry Appetites

Cutting Through the Noise

There is an overwhelming amount of misinformation regarding what an SBA lender will and will not finance. Many business brokers and buyers are led to believe that SBA loans work like residential mortgages—where every bank follows the same rigid rulebook. This is a misconception.

In reality, every lender has a unique “credit box” and specific industry appetites. When a lender tells you, “The SBA doesn’t allow that,” they often mean, “Our bank chooses not to allow that.” Because we train brokers nationwide, we’ve heard every myth in the book. We specialize in knowing exactly which lenders have the appetite for the deal’s others turn away.

Debunking Common SBA Myths

If you’ve been told "no" based on the following reasons, you’ve likely been given incomplete information. We have successfully closed deals involving:

Challenging Industries

Including restaurants, gas stations, and golf courses.

Collateral Gaps

SBA loans do not always require full collateralization.

Limited History

You do not always need three years of tax returns or perfect credit.

Flexible Terms

Seller financing is often helpful, but it is not always a strict requirement.

Cash Flow Nuances

We find solutions for businesses even when historical cash flow isn't immediately obvious.

Why Main Street Funding Group?

What Makes Us Different?

At Main Street Funding Group, we specialize in the complexities of SBA business acquisition financing. A niche where many others falter. While most of our industry focuses on the “low-hanging fruit” of existing business refinances, 95% of our portfolio is dedicated exclusively to business acquisitions.

Here is why the nation’s leading business brokers and SBA lenders consistently trust us with their clients:

Unrivaled Success Rates

The 2025 Federal Reserve Small Business Credit Survey reveals a sobering reality: only 32% of SBA loan applicants receive full funding. In stark contrast, Main Street Funding Group maintains a closing ratio exceeding 98%. We don’t just submit applications; we engineer approvals.

The Right Lender for the Right Deal

The biggest misconception in SBA lending is that all banks follow the same criteria. In reality, every lender has a different “appetite” for specific industries and deal structures. Taking a deal to the wrong lender results in months of wasted time and eventual rejection. We eliminate this risk by leveraging our national network to place your loan with the specific lender most likely to approve your unique deal.

A Partnership Built on Trust

The majority of our business comes from professional referrals—national lenders and business brokers who know that “no” from a traditional bank doesn’t have to be the end of the road. They trust us because we treat every customer like family and deliver consistent, predictable results.

White-Glove, Full-Service Support

We aren’t just brokers; we are project orchestrators. We provide a comprehensive “hand-holding” experience throughout the entire loan lifecycle, including:

Entity Formation: Assistance with starting your new entity, obtaining your EIN, and completing corporate documents.
Underwriting Preparation: Crafting professional business plans and detailed financial projections required for approval.
Compliance & Closing: Navigating insurance requirements and the myriad of details necessary to cross the finish line.

Don’t leave your acquisition to chance. Experience the 98% difference.

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Years of combined experience

About Main Street Funding Group

With headquarters in Stuart, Florida, along the Intercoastal Waterway of Martin County, Main Street Funding Group is a premier SBA loan brokerage serving a national clientele. We aren’t just financial intermediaries; we are a team of entrepreneurs, former bankers, and industry experts dedicated to the art of the deal.

We pride ourselves on a diverse talent pool that goes beyond standard finance. Our staff includes:

Every loan specialist on our team was a top-performing SBA officer at a major bank before joining Main Street Funding Group.

With published authors and experts in systems administration and commercial artists on staff, we bring a high level of sophistication to business plan development, financial storytelling, and process efficiency.

An Industry Gold Standard

Our reputation for excellence is why the largest business brokerage firm in the world trusts only Main Street Funding Group to enter their facilities and train their new agents and franchisees on the SBA process. We don’t just follow industry standards—we help set them.

At Main Street Funding Group, we combine institutional-level expertise with the personalized touch of a boutique firm. We look forward to helping you secure the capital you need to start your next chapter.

Buyer Testimonials

Satisfied Clients

With Kenny and his team at the helm, you can rest assured that your aspirations will be met with unwavering support, expertise, and dedication, making your entrepreneurial dreams a tangible reality. – Brandon Alonso

I recently completed a loan application with Main Street Funding Group, and I couldn’t be happier with the experience. From start to finish, the process was smooth, transparent, and efficient. The application was straightforward, and the team was incredibly helpful in answering all my questions promptly. What stood out the most was their professionalism and clear communication — every step was explained thoroughly, and there were no surprises. Approval was quick, and the funds were disbursed even faster than I expected. I genuinely appreciate the excellent customer service and the ease of the entire process. Highly recommend Kenny and his team at Main Street Funding to anyone looking for a reliable and stress-free loan experience.

Joe Valente Entrepreneur

They are awesome! Jeff, Kenny, and Susan treat you like Family and they get things done. Their knowledge and guidance is KEY in securing your financial future! If you are serious about SBA Financing/Business loans look no further. This is the place. I 10000000% recommend this business!

General Fiore Business Owner

I had a great experience working with Eric at Main Street Funding Group. From the very beginning, Eric was knowledgeable, responsive, and genuinely invested in helping me find the right financing solution. Eric took the time to explain the process clearly, answered all of my questions, and guided me through each step of the transaction. What really stood out was Eric’s understanding of small business acquisitions and his ability to navigate the complexities of the deal. Communication was consistent, timelines were met, and I always felt confident that they he was advocating for my best interests. I would highly recommend Main Street Funding Group to anyone looking to purchase a business or secure funding with a team that is professional, transparent, and easy to work with.

C. Culverhouse Entrepreneur

I had the privilege of being connected with Kenny through a business broker. With zero prior experience in this arena and only a modest sum to invest in the purchase, I was understandably apprehensive about my prospects. However, Kenny's confidence from the outset was both reassuring and inspiring. He meticulously examined my information along with the rough financial projections of the business I aimed to acquire, and assured me from the get-go: "I can get this done for you." True to his word, Kenny seamlessly facilitated the connection with an outstanding financial institution, which not only offered favorable terms but also provided a substantial amount of working capital crucial for kickstarting my entrepreneurial journey. For anyone embarking on their first or subsequent business venture and seeking reliable funding partners, look no further than Main Street Funding.

Brandon Alonso Entrepreneur

Jeff and Kenny, I just wanted to send you all a huge thank you for all the work and guidance you provided to get us through our first business acquisition. I'm so thankful Joe set me up with you all. From my first 2-hour call with Jeff at my son's soccer practice, through the huge ups and downs with Susan keeping my documents and me in check to stay on track. I'm positive there is a lot of work behind the scenes that I wasn't part of, but I truly appreciate all the work ya'll did to get this through. I know it may not have been the easiest or most profitable deal, but I appreciate the support I received through it like it was a big deal.

Tanner and Mindy Rose Restaurant Owners

I've had the pleasure of working with Eric, Kenny, and the entire team at Main Street Funding Group - They provide a white-glove service to clients, and are always on top of things from start to finish of a transaction. They have the experience and network to make things happen, and are the most transparent/authentic groups in the space. I highly recommend working with Main Street Funding if you want a deal to go smoothly!! Best in the business.

Cam Nayebi Business Owner

Dear Kenny, The documents have been signed, the financing has been completed and the dust has settled. On behalf of everyone at our company we wanted to say THANK YOU for all the hard work you put into seeing this acquisition all the way to the finish line. You have a great professionalism with that personal touch peppered that made us feel so comfortable. There were trying times during the process, however, you kept telling us to stay the course have faith and let the process work. We had no idea until now all the behind-the-scenes things you were doing to make this happen. Thank you again for a job well done! We will be calling Main Street Funding for our next endeavor!

Tony Ballew and David K. Nereau Landscaping Business

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Partnering with

Business Brokers:

Your Success is Our Priority

At Main Street Funding Group, we don’t just work with business brokers—we are partners in your success. The majority of our national acquisition volume is driven by broker referrals, and there is a simple reason why: We speak your language.

We’ve Been in Your Shoes

Our team has occupied every seat at the closing table. We have owned, started, and sold businesses ourselves, and our leadership maintains a deep background in business brokerage. We understand the high stakes of your role, the complexity of your listings, and the absolute necessity of a lender who can actually perform.

Main Street Funding Group is

More Than Just a Lender—
An Extension of Your Team

When you partner with us, we take the “financing headache” off your plate so you can focus on your next listing. We add value to your process through:

Expert Deal Structuring

We help you frame deals for maximum fundability from day one.

Rapid Pre-Approvals

Get a clear "yes" or "no" quickly so you don’t waste time on unworkable leads.

Valuation Assistance

We provide insights to ensure the deal's value aligns with SBA underwriting requirements.

White-Glove Buyer Support

We treat your buyers like family, providing a level of "hand-holding" that keeps them calm and committed through to the finish line.

Transparency and Constant Communication

Nothing kills a deal faster than silence. We commit to proactive, constant communication throughout the entire loan lifecycle. You will never have to wonder about the status of your deal; we keep you informed every step of the way to ensure a smooth, professional closing.

Have a tricky deal on your desk?
We invite you to reach out with any questions. Whether you need a quick gut check on a potential listing or full-service funding for a current buyer, we are here to help you close more acquisitions with less stress.

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Broker Testimonials

Kenny Proske and his team and Main Street Funding have been assisting me for years. They are able to attain lending on deals that others have deemed impossible. They carefully walk my customers through the process to ensure that they are educated on what to expect and how to best prepare. They also keep careful tabs on the lenders to make sure there aren’t any delays in the process. I recommend Kenny Proske to assist with your lending needs.

Bianca Evans Transworld Business Advisors

As a business broker I have been using Main Street Funding for close to 3 years now and I can say they have now been my go-to lender! Kenny and staff have always been on top of getting my buyers the funding they need and working with them, since buyers come in all different shapes and sizes. You need someone like Kenny that takes the time to understand the buyer and knows where to place them to get the financing they need. I have used individual banks in the past and they have been very selective on what buyers they will take and put through. Banks doing this only prolong the process for me as a broker and as we all know time kills deals. I need someone that will get the loan done quickly and me to the closing table which Main Street Funding does! Give them a shot and I’m sure you will be glad you did!!

Joe Chiarello Murphy Business Broker Pennsylvania

I have been working with Kenny for about 5 years now. He is extremely knowledgeable in all lending matters and is great at explaining them to both my clients and me. He has gotten financing done on deals for me that no other bank was interested in. Highly recommended!!!!

Joseph Nicolini Transworld Business Advisors of SW FL

Working with Kenny and his organization has helped make our job of providing funding access for our clients much easier. When other lenders can’t get the job done, Kenny can. With his pre-approval we at Pensacola Business Brokers can tell our business buyers with total confidence we can get them funding. He and his team are our first choice when recommending an SBA Lending source.

Frank Fitzsimmons Pensacola Business Brokers

I have worked with Kenny Proske at Main Street Funding Group on several occasions and he and his team are terrific! They are knowledgeable, professional and frankly anyone that has commercial needs would be greatly benefited by using their services. I highly recommend Kenny Proske and Main Street Funding.

Toni Taylor President, Interconnect Mortgage Inc

Transworld Business Advisors, the world’s largest intermediary and business advisory firm, connects worldwide Business Sellers and Buyers on Business Acquisition and Divestiture Services. Our experience with Mainstreet Funding, speaking at our Corporate Training Center routinely, has never disappointed us or our customers. Ken Proske, his staff and resources have provided professional funding services to several hundred of our network Franchisees and their employees. They have been highly regarded as the most professional, forthright and experienced funding resource we endorse. Mainstreet performs paramount levels of expertise while getting the job done!

Glenn N. Haddad Director of Training, Transworld

Crowne Atlantic Business Brokers is happy to recommend Kenny Proske and the Main Street Funding Group to our Buyers and Sellers. We do millions of dollars in loans with them every year and it is always a pleasure to work with them. The customer service is outstanding, and I’d say that they go the extra mile…but that’s not really true….they go the extra marathon to get the deal done. We always appreciate the hustle and grit, combined with the Disney World Customer Service. Crowne Atlantic sells businesses in Florida and we know we can count the Main Street Funding Group for SBA loans.

Jackie Ossin Hirsch Crowne Atlantic Properties, LLC

I have been with Transworld Business Brokers for approximately 15 years. About 5 years ago, I was introduced to Kenny Proske, with Main Street Funding Group. Since working with Kenny, I have closed more businesses than anyone else in the North/North Central Florida area. It is in my strongest opinion, that sending my deals to Kenny has helped me achieve these prestigious awards! I always tell my clients-"If Kenny can't get you a loan, nobody can"! I would strongly, strongly, recommend Kenny Proske and Main Street Funding Group, for all your lending needs!

Dawn-Marie Crown Transworld Business Brokers

Kenny does a great job. I have found him to honest, professional and a man of his word. As a business broker what is most important to me is that he gets the job done. I tell my clients if Kenny can’t finance it, nobody can.

David Yezbak Sunbelt Business Brokers, Columbia SC

Kenny Proske (and Mainstreet Funding) is a credible expert when it comes to SBA Loans. When Kenny was originally introduced to me, I was told I should work with Kenny because you can trust him. That is not always the case in the funding industry. When I send Kenny a candidate for SBA loan assistance, I know I can trust him and I know (from experience of working candidates with Kenny), he really cares about the client and looks out for the best interest of the client. I have referred clients to Kenny for several years, and if a loan can get done, he’ll get it done, ethically.

Dave Woggon Owner, Phoenix Funding Source

I have had the opportunity to work with Main Street Funding Group on a variety of projects. Every time I refer people to them, they are responsive, professional, and provide valuable advice.

Mike Kelly Transworld Business Advisors

We are committed to getting SBA Loans from beginning to end.

Partnering with

Lenders:

A Strategic Resource for Financial Institutions

It may seem counterintuitive that national and local banks refer their SBA business to us, but in the complex world of SBA lending, “No” from one bank doesn’t mean “No” for the borrower.

Because every lender has a different “credit box” and varying appetites for specific industries, many high-quality deals are declined simply because they don’t fit a particular bank’s internal policy. At Main Street Funding Group, we turn those declines into closed loans.

Don't turn customers away

Don’t Say “No”
Say “We Have a Partner”

When a deal doesn’t meet your specific underwriting criteria, you don’t have to turn the customer away. By referring them to Main Street Funding Group, you provide a solution that protects your professional reputation and keeps the client moving forward.

We act as an expert extension of your lending team, specializing in:

Alternative Deal Structuring

We find the path to "Yes" by placing the deal with a lender whose current appetite matches the borrower’s profile.

Protecting Your Relationship

Our goal is to fund the acquisition, not steal the client. Once the loan is closed, we direct the borrower back to you for their primary banking needs.

Retaining Deposits and Ancillary Services

You keep the operating accounts, credit cards, treasury management, and personal lending—while we handle the heavy lifting of the SBA acquisition loan.

A Win-Win Partnership

Main Street Funding Group bridges the gap between a “policy decline” and a successful closing. We help you provide a higher level of service to your applicants, ensuring they get the funding they need while you retain the long-term banking relationship.

Let’s turn your “turndowns” into success stories. Partner with us to provide your clients with a 98% closing ratio and a seamless path to ownership.

Reach Out To Us Anytime

Lender Testimonials

I have worked with Main Street Funding Group for several years now and I can honestly say they are second to none! Kenny and his team are very knowledgeable, extremely organized, and excellent at communicating throughout the process! They understand the SBA loan process from beginning to end and will guide you every step of the way!! I highly recommend them!!!”

Lance Noel United Midwest Savings Bank

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Lender Representative Establishment Name

Frequently Asked Questions

any question ? we got you

What types of loan products does Main Street Funding Group have?

We offer everything from business loans to working capital to equipment leasing and receivable factoring.

What kind of technology does your company use to help in the loan process?

Like most companies, we have a lending platform that we utilize for efficiency however, lending is still a “People” business, and we are more proud of how we work on each loan as if it’s the only one we have versus all of the bells and whistles that don’t mean much if your client doesn’t get funded.

Question #3

Question #4

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Main Street Funding Group

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90% Client Success Stories

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Practical guidance and thoughtful strategies designed to improve closing your SBA loans.

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