Buy an existing business
Business Acquisition Loans
Financing to acquire an existing business, a competitor, or a partner's stake.
Business acquisition loans fund the purchase of an existing company — a competitor, a supplier, or a partner buyout — sized against the target's cash flow, not just yours. Expect real diligence on the target's financials; a strong deal with clean books moves fastest.
Read the complete guide →Best for
- Buying an established, profitable business
- Partner or partial buyouts
- Consolidating within your industry
Common uses
- Buying a competitor or supplier
- Partner or partial buyouts
- Acquiring a business to consolidate operations
What you'll need
- A letter of intent or purchase agreement
- Two to three years of the target's financials
- A transition or management plan
- Owner credit and industry experience reviewed
At a glance
- Amount
- Up to $5,000,000
- Sized to
- The target business's cash flow
- Often paired with
- SBA 7(a)
Business Acquisition Loans: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
Financing the complete purchase price of a target business, typically alongside some seller financing or equity.
Best for: Acquiring a business outright.
Estimate your business acquisition loans
Move the sliders to explore. These are illustrative figures, not an offer.
Estimated monthly payment
$8,301
- Amount
- $500,000
- Total interest
- $197,250
- Total of payments
- $697,250
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.
Business Acquisition Loans questions
Whose financials matter most — mine or the target's?
Primarily the target's, since the loan is sized to the cash flow you're acquiring. Your own credit and experience still factor in.
How long does an acquisition loan take to close?
Often 60–90 days given the diligence involved — longer than a term loan, but SBA and conventional paths both move faster with clean target financials.
Can I finance a full buyout with debt alone?
Rarely 100% — lenders typically expect some owner equity or seller financing alongside the loan. Your advisor structures the mix.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.