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Business Acquisition Loans
Buy a business, a partner's stake, or a franchise
Financing for change-of-ownership transactions using SBA and conventional structures. Underwriting focuses on the target's cash flow, the purchase price relative to EBITDA, the buyer's experience, and the transition plan.
- Loan size
- $250K – $10M
- Buyer injection
- From 10%
- Seller note
- Often on full standby
- Term
- Up to 10 years, longer with real estate
Best used for
- First-time buyers with relevant management experience
- Partner and shareholder buyouts
- Franchise acquisitions on approved brands
- Add-on acquisitions by an existing operator
What we will need
- LOI or executed purchase agreement
- Three years target tax returns, P&Ls and balance sheets
- Business valuation where required
- Buyer resume, personal financial statement, and business plan
How the process works
- Step 1
Structure
We test the price, the debt service coverage, and the equity stack.
- Step 2
Apply
Acquisition module captures target, seller and buyer detail.
- Step 3
Underwrite
Valuation, quality of earnings where applicable, and transition review.
- Step 4
Close
Escrow, seller note documentation and funding coordinated to your closing date.
Frequently asked
How much cash do I need?
Plan on at least 10% of the project cost from the buyer, with seller financing often filling part of the gap.
Can real estate be included?
Yes, and including owner-occupied real estate can extend the amortization.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 9.5% – 12.5% · Prime + 2.25% to 4.75% on SBA; fixed on conventional
Estimated monthly payment
$6,888
- Total interest
- $326,500
- Total of payments
- $826,500
- Principal
- $500,000
- Est. origination points
- $5,000
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.