Buying an existing business means buying proven cash flow, trained employees, and established customers. We'll get you the financing to close the deal.
Not every acquisition deal looks the same — and neither does the financing. We'll match the structure to the business you're buying and your financial profile.
The most common acquisition loan. SBA guarantees 75% of the loan, which means lenders take on more deals and offer better rates. 10–12% down, up to 10-year terms, working capital can be included.
The seller carries a portion of the purchase price as a loan to the buyer. Rates are negotiable. Sellers who carry paper are signaling they believe in the business. Faster closing, less bank paperwork.
Bank and institutional lenders offering acquisition financing outside SBA programs. Typically 20–25% down, competitive rates for strong deals. Best for established buyers with good credit and clean financials.
Buying out a business partner or co-owner is its own category — you're financing both the acquisition and the transition. Requires valuation, partnership agreements, and often a combination of SBA and seller financing.
Acquisition financing evaluates both you and the business you're buying. The stronger each side, the better your terms. Here's what matters most.
Tell us about the business you're looking at — or the one you have under LOI — and we'll tell you the fastest path to financing. No cost, no commitment.
Acquisition deals are as varied as the buyers who make them. Whether you're a first-time buyer, an experienced operator, or somewhere in between, there's a structure that fits.
Buying your first business. SBA loans are designed for you — low down payment, long terms, no prior acquisition experience required.
Raising capital to search for and acquire a business. Investor backing plus acquisition debt gets you to closing.
Roll-up strategy acquiring同类 businesses. Portfolio financing and SBA 7(a) for multi-location acquisitions.
Buying out a retiring owner in a family business. Seller financing with favorable terms is common in these transitions.
Buying out a co-owner or partner. Requires valuation, legal agreements, and a financing structure that works for both sides.
Existing owner-operator adding a new acquisition to your portfolio. Your track record makes the deal easier to finance.
Institutional capital backing an individual searcher. Combines equity check from investors with acquisition debt.
Buying an existing franchise location. Lenders familiar with the franchise model and its financials.
You're buying revenue, not building it. An existing business with 2–3 years of clean financials is a far lower risk than a startup. Lenders view acquisition debt more favorably than startup debt.
Startup loans require 2 years in business and documentation that doesn't exist. Acquisition loans finance the business you're buying — the collateral is the acquisition target itself. Better terms, faster approval.
The SBA 7(a) program was built for exactly this use case. 10–12% down, long terms (up to 10 years), working capital can be included in the loan. It is the lowest-cost acquisition capital available for qualifying buyers.
Acquisition debt is often tax-deductible. Seller financing interest, SBA loan interest, and acquisition-related costs can reduce your tax burden in year one. Talk to your accountant about allocation strategies.
Under 3 minutes. We'll match you to the right acquisition lender and structure.
Deal-size specific acquisition financing guides with SBA 7(a) requirements, approval timelines, and lender criteria.
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