How should a tax-practice owner compare seller financing and SBA-backed financing when growth capital is needed?

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The source thread was titled Seller financing or SBA. The useful source signal was: Hello everyone I am looking to get a second opinion. I am trying to acquire a small accounting firm from the company I currently work for. I have managed this office for nearly two years. Stats are $391k in revenue, 50/50 tax and bookkeeping, and potential for planning and consul. That matters because it exposes the real decision pressure around staffing, client selection, firm choice, pricing, or systems rather than just asking whether a path sounds attractive.

The safe approach is to design the next move as a controlled operating plan. Define the type of work you want, the controls you need around that work, and the metrics that will tell you whether the model is holding. For a new or changing practice, that usually means scoping services narrowly, documenting intake and review steps, and delaying expansion until the workflow is stable.

Use the original source at https://www.reddit.com/r/taxpros/comments/1e9l1g5/seller_financing_or_sba/ as the anchor. A defensible EA answer is concrete: it names the decision, the control, and the next evidence-based step.

The exam-ready or practice-ready answer is the one that keeps procedure visible and avoids guessing.

How should a tax-practice owner compare seller financing and SBA-backed financing when growth capital is needed?

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