Business Acquisition Financing
Capital to purchase an existing business.
Business acquisition financing funds the purchase of an existing business — buying out an owner, acquiring a competitor, or buying into a franchise. Lenders and partners look at the target business's cash flow, the deal structure, and your experience. SBA 7(a) is a common route, but non-SBA options exist too.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
Business Acquisition Financing
Program-specific—request a funding review
- Minimum credit
- Program-specific—request a funding review
- Time in business
- Program-specific—request a funding review
- Financing amount
- Program-specific—request a funding review
- Down payment / equity
- Equity injection typically required; amount varies by partner and deal
- Term / structure
- SBA 7(a) or non-SBA; target cash flow supports repayment
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Buying an existing business
- Acquiring a competitor
- Partner or management buyout
- Franchise purchase
When it fits
- The target business has stable, documented cash flow
- You have relevant experience
- You can provide an equity injection where required
How it generally works
- 1You and the seller agree on price and terms.
- 2A partner finances part of the purchase, often with an equity injection from you.
- 3The target's cash flow supports repayment.
- 4Funding closes the acquisition.
Factors funding partners may consider
- Target business cash flow and history
- Purchase price vs. business value
- Your industry experience
- Equity injection and collateral
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Purchase agreement / letter of intent
- Target business financials and tax returns
Additional Underwriting & Closing
- Your personal financial statement
- Business plan for the acquisition
- Debt schedule for the target
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
An operator acquires a long-established local business, financing part of the price with an equity injection and repaying from the business's cash flow. Actual structure depends on the partner, target, and underwriting.
How it compares to related products
vs. SBA Financing
SBA 7(a) is a common acquisition route with longer terms; non-SBA acquisition financing can be faster.
Learn morevs. Term Loan
Acquisition financing is purpose-built for buying a business; a general term loan is broader but may be harder to use for an acquisition.
Learn moreFrequently asked questions
Ready to explore business acquisition financing?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.