Pioneer Capital Advisory LLC

About Pioneer Capital Advisory LLC

At **Pioneer Capital Advisory**, we specialize in helping entrepreneurs buy great businesses using SBA 7(a) financing—with clarity, confidence, and expert guidance from start to finish. I’m **Matthias Smith**, founder of the firm, and I started Pioneer after personally closing over **$300 million in SBA loans** across four commercial banks. I saw too many buyers getting lost in the lending process, so I built a firm dedicated to making business acquisition financing simple, strategic, and successful. Since launching in **2022**, our boutique team has helped fund **over 84 business acquisitions**, ranging from HVAC and landscaping companies to medical practices, ecommerce brands, and towing firms. We work one-on-one with **self-funded searchers**, **first-time buyers**, and other acquisition entrepreneurs, offering high-touch support through every stage of the process—from lender matching to underwriting and final loan funding. Our core service offerings include: - **Lender Matching** – We connect clients with SBA lenders who understand their deal structure and industry. - **Loan Structuring** – We optimize your capital stack using tools like seller notes to minimize your cash down. - **Credit Package & Underwriting Support** – We prepare lender-ready financial decks and guide you through credit review. - **M&A Advisory** – We provide insight on deal structure, timeline, and SBA-specific best practices. What sets us apart is our **success-based model**: we only get paid by the lender when your deal closes. That means we’re fully aligned with your success. We’re not a traditional broker—we’re your capital partner, deal strategist, and lending advocate. At Pioneer, we don’t just help you get a loan—we help you get the right loan, from the right lender, on the right terms.