Skip to main content

The Viso Method™

Find a business worth buying. Make an offer that can win and close.

Buying a business may be your path to entrepreneurship, or your next step in growing a company you already own. Either way, an accepted offer is only the beginning. The business must support the debt, the deal must work for you after closing, and a lender must be willing to finance it.

The Viso Method helps you answer those questions early. We bring years of SBA acquisition experience, a consistent review process, and a team that stays with you from deal evaluation through closing.

Five Points of Bankability

Know what you are buying before you write the offer

We review each potential acquisition against our proprietary Five Points of Bankability:

1. Operator Fit Are you well suited to lead this particular business, and can we show a lender why?
2. Cash Flow Durability Can the business support the proposed debt under realistic conditions?
3. Customer & Revenue Quality How dependable is the revenue you are buying?
4. Deal & Capital Structure Do the price, equity, financing, and working capital leave you room to operate?
5. Transferability & Transition Can the business succeed after the seller leaves?/span>

These are the questions behind the Viso Bankability Pre-Flight Check™. We identify what is strong, what needs more evidence, and what could derail financing or make ownership harder than you expected. You get a clearer basis for deciding whether to pursue the business, improve the terms, or walk away.

Make an offer that works for the seller, the bank, and you

A seller may accept an offer that a bank will not finance. A bankable offer may fail to win the deal. We help you find the balance before you submit your LOI.

That might mean changing the structure, addressing a transition concern, or negotiating for enough working capital to run the business after closing. You can make a competitive offer with fewer financing questions left unanswered and less need to renegotiate later.

Show the seller and their broker you have done the work

Your Viso Bankability Score™ reflects how many lenders in our network currently appear to fit you and your deal. It also shows where a change could improve your financing options.

A seller or broker can verify the score with Viso. Instead of relying on a generic buyer prequalification letter, they can see that you have examined the specific business you want to buy and the financing needed to close. Our bankability score is based on more information than you’ll find in the typical CIM, and this makes it more reliable to you and the sell-side. We update our Viso M&A Questionnaire regularly to hit all of the questions banks need answers to.

Get to the right banks when the deal is ready

Once you have a signed LOI, we help gather the information lenders will need, resolve important questions, and present the deal to banks suited to its size, industry, and structure. You get a focused lender search and help comparing term sheets, preparing for underwriting, and working through issues that arise on the way to closing.

We also take much of the financing coordination off your plate. That gives you more time for diligence and a knowledgeable team to call when a bank request, deal term, or working capital question needs attention.

Learn with every deal you review

The Viso Method gives you more than an answer on one acquisition. With each review, you learn how lenders see a business, which risks matter most, and how to structure a stronger offer. Whether this is your first acquisition or an addition to a company you already own, those skills make you a more capable buyer.

Want to see how Viso approaches an acquisition?

Join our weekly webinar to learn the Viso Method and meet the team. Get a sample of our Pre-Flight here

Get Pre-Flight Sample

Reach out Directly

Owner Heather Endresen is active on X as part of the SMB community, as well as on Linkedin. Have a question or a deal to talk through?