Purchase Price & Goodwill
Finance the business's enterprise value, including goodwill, based on historical and projected cash flow.
Business acquisition financing
Business Acquisition Loans
SBA financing to buy an existing business, complete a partner buyout, or fund an ownership transition — structured around the purchase price, the assets involved, and how the business actually performs.
Program overview
Financing Structured Around Business Purchases and Partner Buyouts
Acquiring an existing business or buying out a partner is a different kind of underwriting problem than a standard loan request. The lender isn't just evaluating collateral — it's evaluating whether the business's historical cash flow can support the purchase price, whether the deal terms are supportable, and whether you're positioned to run what you're buying. We build that case from the start through the SBA 7(a) program, structured specifically around the transaction you're completing — whether that's acquiring an outside business or buying out a co-owner.
What These Loans Can Finance
Equipment & FF&E
Roll in the machinery, fixtures, furniture, and equipment included in the sale.
Real Estate Included
When the sale includes the real property, SBA 7(a) can finance the acquisition and the real estate together in a single loan.
Partner Buyouts
Buy out a co-owner or family member and consolidate ownership under one structure.
Working Capital at Close
Add post-closing working capital so the business has cushion from day one of new ownership.
Our role
Structuring a deal that reflects how the business actually performs.
Cash flow analysis
We review historical performance, add-backs, and projected cash flow to build a supportable request.
Deal structuring
We work through purchase price allocation, seller notes, and equity injection so the numbers hold together.
Lender matching
We place the deal with a lender whose credit box actually fits the industry and structure.
Through closing
We stay engaged through diligence, conditions, and closing to help keep the transaction on schedule.