Viso Business Capital
At a Glance
If you want one loan broker shortlist for an SBA acquisition, this belongs on it: category-defining experience, aligned fees, and published scale. Price it against going direct to one or two banks yourself, and get the compensation mechanics in writing.
- Pricing
- Success Fee, Vendor-stated: "Viso is only paid if your deal gets closed." No fee schedule is published beyond that; broker compensation on SBA deals is typically lender-paid at closing, but confirm in the engagement letter who pays what and whether any cost reaches your side of the table.
- Best For
- A searcher who wants their deal shopped across lenders by someone who has seen thousands of these loans, instead of anchoring to a single bank's credit box. Especially useful when the deal has a wrinkle (industry, size, structure) that will get different answers from different credit committees.
- Track Record
- Founded in 2023 by Heather Endresen, who built Live Oak's search-fund lending practice.
- Type
- Broker (shops your deal)
- Footprint
- Nationwide.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A dedicated searcher and acquisition practice, handled remotely.
- A whole practice for acquisition entrepreneurs, stated on its own front page: it names the searcher's stages from finding a business through diligence under exclusivity, runs a weekly financing session, and sorts its own intake by whether a buyer has a signed LOI or is still searching. Its industry pages are the trades a searcher buys rather than a bank's sector list.
- Published Terms
- A success-fee brokerage that shops your deal across its lender network.
- Roadmap Stages
- 3. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- Run by a banker with years leading search-fund lending before founding Viso, so lender selection is informed by which credit box actually fits
- Success-fee only, stated plainly on its own site: no retainer risk if the deal dies
- Multi-program reach (7(a), 504, CA iBank, USDA) where a single bank shows you only its own shelf
- Real published scale for a young firm: 100+ SBA acquisition loans totaling over $200 million since 2023
Cons
- A broker adds a party between you and the credit decision, and broker economics are priced into the deal somewhere; ask exactly who pays Viso and how much
- Average arranged loan runs around $2 million, so a sub-$500k deal may not be the practice's center of gravity
- No published fee schedule or lender list; the engagement letter carries all the specifics
- Founder-centered firm: the draw is one person's judgment, which is also a capacity constraint
What Searchers Say
Endresen is one of the most-cited names in searcher lending, from her Live Oak years through the conference and podcast circuit, and Searchfunder discussion of Viso is consistent with the firm's own numbers. 2026 lender roundups treat Viso as a fixture of the ETA financing set. Community threads carry no negative account of the firm.
How to Approach
Viso Business Capital is a broker, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A conversation about your deal before any bank sees it.
- The broker packages the file and shops it across its lender network.
- Competing term sheets, then closing with the bank that fits.
What It Weighs
- The same credit fundamentals a bank weighs, packaged to show best.
- Whether the deal is financeable at all, before you spend weeks on it.
- Which lender in the network fits the deal's shape.
How to Prepare
- Know your own coverage math before the first call. SBA Acquisition Calculator
- Underwrite the deal so you can speak to it. Underwrite a Deal
- Compare the offers the broker brings back. SBA Acquisition Calculator