Buy an existing business

Business Acquisition Loans

Financing to acquire an existing business, a competitor, or a partner's stake.

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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.

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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
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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

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.