SBA Loans and SPV Setup Archives - mr.FourAm • Driven by Your Achievements

The Hidden Power of SPVs in Acquisitions: Step-by-Step Guide for First-Time Buyers

Here’s why most acquisition advice is dead wrong: it teaches you how to find a company and how to fund it—but not how to contain it. The container matters. The right container protects your downside, earns lender confidence, and keeps your cap table readable six...

Here’s why most acquisition ad...

September 15, 2025

LaJuan “mr.FourAM” Payne is a seasoned investor, business strategist, and entrepreneur with over 15 years of experience helping business leaders and entrepreneurs achieve their most ambitious goals. He specializes in guiding driven individuals to unlock their full potential through strategic coaching and professional development, equipping them with the insights and skills needed to navigate the complexities of business.

Beyond coaching, Payne is an accomplished acquisition entrepreneur and corporate strategist, with a strong focus on mergers and acquisitions. He excels in buy-and-build strategies, identifying and acquiring smaller firms to create more competitive, scalable entities. With deep expertise in market analysis, risk management, and strategic execution, he ensures that each acquisition drives growth, enhances asset value, and aligns with long-term business objectives. His ability to structure complex deals and scale businesses has earned him a reputation as a forward-thinking leader in entrepreneurship and investment.

Personal Development

Building the Foundation for Success: The FourAm Strategic Growth Framework

In business, the road to mastery is rarely about sudden breakthroughs or drastic changes. It’s about steady, relentless progress. There's a quote I often share: “Every day, it gets a little easier. But you’ve got to do it every day. That’s the hard part.” Before diving into the complex world of acquisition artistry, you must start with one fundamental question: “Do you believe you can increase your productivity by just 2.5% over the next 30 days?” This incremental approach is the essence of the FourAm Strategic Growth Framework—a system designed to help you become the kind of person who can thrive in the demanding world of small business acquisitions....
Marketing

Crafting a Winning Digital Marketing Strategy: A Step-by-Step Guide

In today’s digital age, developing a robust online marketing strategy is essential for achieving sustainable growth and profitability. As an advisor working closely with small to medium business owners and executives, I understand the intricacies of creating an effective digital marketing plan. By following a systematic approach, we can ensure our efforts are targeted, efficient, and successful. Here’s a comprehensive guide to crafting a winning digital marketing strategy....
Mergers and acquisitions

How to Leverage Gross Margin Cash Flow to Fund Your Business Acquisition

One of the biggest myths in business acquisitions is that you need a massive amount of capital upfront to close a deal. Entrepreneurs often get stuck believing they have to write a huge check, take out risky loans, or bring in outside investors to fund a purchase. But what if I told you there’s a way to use the business’s own cash flow to finance its acquisition—without putting up significant personal money? This strategy is called Gross Margin Cash Flow Assignment, and it’s one of the most powerful ways to acquire a business using its own revenues to fund the deal. Instead of scrambling for a down payment, you can negotiate with the seller to assign a portion of the business’s future gross margin receipts to cover part or all of the down payment or seller financing. It’s a move that separates savvy dealmakers from those still trying to scrape together capital. Let’s break down how this works....
Mergers and acquisitions

How to Use Asset Carveouts to Save Thousands on Your Next Business Acquisition

Let’s cut to the chase—not everything the seller wants to sell you is worth buying. When you’re acquiring a business, you’re not just buying revenue or employees or market share—you’re buying assets that produce income. But here’s the catch: some of those assets are non-essential, and they shouldn’t inflate your purchase price. I’ve seen too many entrepreneurs overpay because they didn’t know how to separate the core from the clutter. That’s where Asset Carveouts come in—a strategic move that allows you to carve out non-essential assets from the deal, reducing the purchase price and focusing your capital on what actually matters. Let me show you how to do this....
Mergers and acquisitions

Leveraging Fair Market Value (FMV) Consignment for Business Acquisitions: A Win-Win Strategy

When it comes to negotiating business acquisitions, the goal is often to craft a deal that works for both buyer and seller. While traditional financing methods like cash or loans are common, there are creative strategies that can unlock value while reducing the financial burden on buyers. One such approach is the Fair Market Value (FMV) Based 100% Consignment of Non-Inventory, Non-Essential Assets. This strategy involves carving out non-essential assets from the deal, consigning them to the buyer to sell, and passing 100% of the proceeds back to the seller. It’s a flexible, innovative method that ensures no asset is left idle and helps both parties move forward with confidence....