Overview
Business Acquisition Financing provides capital to purchase an existing business or acquire another company. These loans help entrepreneurs expand through acquisition while leveraging the target business assets.
Key Benefits
Purchase established, cash-flowing businesses
Lower risk than startups (existing operations)
Immediate revenue and customer base
Terms based on business cash flow (SBA programs available)
Flexible use for purchase price and working capital
Asset-based lending available
Qualifications
- • Target business must have 2+ years of financial history
- • Strong financial statements and tax returns required
- • Personal credit score of 700+ (typical)
- • Down payment typically 20-30%
- • Buyer must have business management experience
- • Personal guarantee required
Funding Amounts
Minimum
$100,000
Typical Range
$500,000 - $2,000,000
Maximum
$5,000,000
Funding Timeline
Typical approval: 4-8 weeks
Actual timelines depend on application completeness and lender review. Faster approval may be available for well-qualified applicants.
Frequently Asked Questions
What if I don't have specific acquisition in mind?
We can help you secure a pre-approval or letter of intent while you identify target businesses. Once you find your acquisition, we can finalize the loan.
Can acquisition financing include working capital?
Yes, most acquisition loans can include a working capital component to support operations post-acquisition.
How long does due diligence take?
Due diligence typically takes 3-6 weeks. Our lending partners may conduct additional financial analysis of the target business.
Ready to Explore Business Acquisition Financing?
Start your application today to connect with lending partners specializing in this program.
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