# Daniel Foley

Daniel Foley discusses SBA financing for business acquisitions, including loan costs, down-payment expectations, and policy changes that can affect deal structure and timing.

- Profile: https://b2binfluencer.marketing/creators/daniel-foley/
- LinkedIn: https://www.linkedin.com/in/danielfoley1
- LinkedIn followers: 1,569
- Based on 9 dated posts, latest 2026-10-06

## Summary

Daniel Foley is most useful for explaining SBA acquisition loan rules and what buyers and brokers should check next.

- Best for: A commercial lending advisory firm or webinar on SBA policy and acquisition finance.
- Not for: Consumer fintech or software promotion to general small business owners.
- Check first: Confirm current SBA requirements with a lender and ask for engagement data.

### Takeaways

- March 27, 2025 fee changes include a loan-number deadline.
- SOP 50 10 8.1 takes effect October 1, 2026 and changes underwriting.
- Small SBA acquisition loans can be available with 10% down.

## Main ideas

- **Turn a policy change into a deadline and an action**: Foley pairs each rule change with a date and a concrete step. The effective date, not the announcement, determines whether a deal is affected, and transactions already in process can still be caught by the change. They recommend early contact with the lender, especially for larger transactions, owner buyouts, and deals involving commercial real estate.
- **Assess a new SOP’s impact on deal structure and underwriting**: Foley sorts the October 1, 2026 SOP 50 10 8.1 changes into decisions a deal team must make: coverage ratios, when a quality-of-earnings report is required, how long a seller can stay on as a consultant, who must guarantee the loan, how commercial real estate is valued for the business purchase price, and which loan structures are no longer available. Each change can affect an acquisition’s timing, cost, or viability, so deal teams need to identify it before pricing or committing.
- **Not every update tightens the rules; say which way each one goes**: Foley reads the SOP as a mix of restrictions and relief. Brokers should not assume a new SOP is uniformly harsher: some provisions raise the bar on coverage, guarantees, and buyouts, while others widen what is allowed. Naming the favorable change alongside the unfavorable ones helps brokers decide which deals need reworking and which may benefit.
- **Small acquisitions remain financeable; bank minimums are not the SBA’s purpose**: Foley argues that lender practices, not the program itself, shut out buyers of very small businesses. A $1,000,000 loan minimum, or a requirement for 15% to 20% down plus a seller carry loan, conflicts with what the SBA was created to do. They present lower down payments and smaller loan amounts as the answer, and frame the point around what the buyer actually wants to buy.
- **Brokers can influence loan fees before closing**: Foley treats guarantee fees as a buyer cost that may be avoided or reduced by acting in time. The fee tiers are worth understanding in detail: a loan that misses the deadline pays more, and its stage at the bank—not the borrower’s intent—determines which side of the line it falls on.

## Work to read

- [SBA Loan Fee Changes Effective March 27, 2025](https://www.linkedin.com/posts/danielfoley1_smallbusiness-sbaloans-7aloans-activity-7310051243589099521-bwZ7)
- [Major SBA Update: SOP 50 10 8.1 Released Effective October 1, 2026](https://www.linkedin.com/posts/danielfoley1_businessbroker-businessacquisition-sbalending-activity-7495561561701351424-7rm2)
- [Small SBA Acquisition Loans With 10% Down](https://www.linkedin.com/posts/danielfoley1_businessacquisition-sbaacquisition-sbaloan-activity-7198801087837925376-eIcF)

## Brand relationships

- **Evolve Bank & Trust** (employment)

## Partnerships

The posts do not document sponsorship, paid partnership or branded-collaboration formats. Daniel Foley's posts cover SBA business-acquisition lending—program rule changes, fee schedules and down-payment terms—for brokers, buyers and lenders, not marketing partners. The published contact routes are a work email and mobile number in a post on SBA loan fee changes, and a work email in a post on the new SBA SOP; both are for loan inquiries, not partnership or media-kit requests. No partnership inquiry link is provided. Brands or agencies considering a campaign should contact Foley through those business channels and ask whether collaborations are available, and request a media kit, rate card or sponsored-post example.

## Alternatives

- Jeff Saul: Choose Jeff Saul when the session should be about how lenders actually get CRE debt underwritten and monitored, not about SBA program rules. Saul writes from the lender-operations side: screening a new deal can involve 50-100 prospective lenders each completing a desktop underwriting of several hours, followed by appraisal review, legal diligence, lease abstracts, CAM reconciliations and environmental work under application, then re-underwriting every loan at least quarterly. They put annual CRE labor and services spend for underwriting and asset management above $50B and argue that rising maturities and stretched underwriting teams make the manual process unsustainable. For a commercial lending advisory firm whose clients are lenders, that framing gives the webinar a cost-of-inaction argument the SBA rule walkthrough does not.
- Stuart Gelb: Choose Stuart Gelb when the point of the session is that borrowers should test a bank term sheet against other capital sources before signing. Gelb compares the same property under two lenders: with $500,000 of net operating income, a bank produced roughly $3.8 million in usable proceeds while institutional or life-company financing produced about $5.1 million, a difference of about $1.3 million. The gap comes from required deposits, shorter amortization, higher DSCR requirements, conservative vacancy assumptions and personal recourse rather than the interest rate alone. They also organize the whole capital menu in one place, from acquisition and construction financing through bridge, permanent, refinancing, preferred equity, mezzanine, recapitalization and SBA financing. That is a useful structure if the firm wants clients to understand where SBA sits among their options.
- Heather V.: Choose Heather V. when the audience is sellers and business owners preparing to exit, or when the firm wants a seller-side counterweight to a lender-facing rule update. V. writes from the broker and valuation side: pricing a business for the market, defending that value under lender and third-party valuator scrutiny, and explaining why deals collapse on process or terms rather than price. They have sat on an SBA panel as the broker and valuator arguing the seller's position, and describe taking a multi-million-dollar business through SBA underwriting by answering the lender's third-party valuator with financial proof, market data and a layered valuation rationale. They also make the case that most failed deals fail because the listing or the financing process was mishandled, and that a large share of transactions need some form of financing.

---
AI-assisted summary of public posts. Audience demographics are not available. Engagement appears only where we checked recent posts. Method: https://b2binfluencer.marketing/methodology/