$600K Ecom Deal Acquisition + Why Most Buyers Can't Get a SBA Loan to Buy An Online Business with Jared Johnson

Finding a great business is only half the battle.

The harder part?

Convincing a lender that you're the person who should own it.

That's where most acquisitions quietly fall apart.

In this episode, Jaryd is joined by Jared W. Johnson, the top individual SBA loan producer in the United States, who's helped fund more than $800 million worth of business acquisitions. But this isn't just another conversation about lending. Jared has been on both sides of the table.

He recently acquired a $600,000 eCommerce business himself.

What caught his attention wasn't perfect systems or polished financials. It was the opposite. A business with outdated processes, inventory tracked entirely from memory, and obvious operational gaps that most buyers would see as red flags.

He saw upside.

Together, Jaryd and Jared unpack how the deal came together, why the business was relocated across states, how a 3PL simplified operations, and why keeping one long-term employee became one of the smartest decisions they made after the acquisition.

They also pull back the curtain on how lenders really think.

Why do buyers with strong incomes still get declined? What makes someone trustworthy in the eyes of a bank? Does your personal spending matter? And when a business has valuable assets like an email list, loyal customers, strong SEO, or a large social following, how much weight do lenders actually give them?

Whether you're preparing to buy your first business or looking to finance your next acquisition, this episode gives you a clearer picture of what separates buyers who get approved from those who don't.