JackQuisitions - Small Business Acquisitions in Home Service How SBA Rule Changes Are Reshaping Home Service Acquisitions
In this episode of JackQuisitions, Jack welcomes back Alan Peterson (First Internet Bank) to break down the SBA SOP changes that are reshaping home service acquisitions in 2026—especially for buyers navigating licensing, seller equity, and deal structure.
Alan explains why the once-common “seller keeps 1–5%” strategy is fading, what’s replacing it, and why banks are forcing buyers to get serious about licensing before they ever sign an LOI. They also dig into why the buyer pool is smaller but higher-quality, what SOP updates are coming (and which ones just hit), and why electrical may be the next big home service category to scale.
What You’ll Learn
- The biggest SBA SOP changes buyers need to understand in 2026
- Why “seller retains 1–5% equity” deals are becoming harder to structure
- How licensing is changing deal flow in HVAC, plumbing, and electrical
- The best alternative structure: key employee on the buy-side
💼 Shoutout to Quick Staffers LLC
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💼 Special Thanks to First Internet Bank!
Looking to buy or expand a business? First Internet Bank is a National Preferred SBA lender specializing in acquisitions for the skilled trades. Their SBA loan program offers up to 90% financing for business acquisitions, partner buyouts, and commercial real estate—plus optional lines of credit to fuel future growth. Unlike traditional lenders, they take a “how can we” approach, making deals happen for both first-time buyers and experienced operators.
👉 Special Offer: Mention Owned and Operated for a reduced good faith deposit and a complimentary deal review + buyside prequalification.
Connect with Alan Peterson from First Internet Bank here
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