Navigate financing options to facilitate successful transactions
Over 80% of small business acquisitions require some form of financing. Without access to financing options, you're limiting your buyer pool to only those with 100% cash—significantly reducing your chances of a successful sale.
Our financing advisory services help structure deals that work for both parties. We maintain relationships with SBA lenders, commercial banks, and alternative financing sources, ensuring your qualified buyers can access the capital they need.
Whether it's helping buyers navigate SBA loan applications, structuring seller financing terms, or identifying specialized lenders, we ensure financing doesn't become a roadblock to your successful exit.
Understanding financing alternatives helps close more deals
Government-backed loans specifically designed for small business acquisitions
Up to $5M
10-20%
10-25 years
Individual buyers purchasing established businesses
Traditional business acquisition loans from commercial lenders
$500K - $10M+
20-40%
5-15 years
Well-qualified buyers with strong credit and collateral
Seller provides financing directly to buyer, often in combination with bank loans
10-30% of price
Varies
3-7 years
Bridging gaps and demonstrating seller confidence
Access to financing significantly increases the number of qualified buyers for your business
Pre-arranged financing options accelerate deal completion and reduce fall-through risk
More financing options give you negotiating leverage and lead to better overall deal terms
We guide buyers through financing process to keep deals on track
Many sellers are hesitant about seller financing, but it can actually work in your favor:
The most common financing options for small business acquisitions include SBA loans (up to $5M with 10–20% down), conventional bank financing ($500K–$10M+), seller financing (where the seller carries a note for part of the purchase price), and private equity or investor capital. Most transactions use a combination of these sources to optimize terms for both buyer and seller.
Seller financing is when the business seller agrees to receive a portion of the purchase price over time, typically 10–30% of the deal value, paid with interest over 2–5 years. It is common because it bridges financing gaps, demonstrates the seller's confidence in the business, and can improve deal terms for both parties. For sellers, it can also provide tax advantages through installment sale treatment.
SBA 7(a) loans are government-backed loans specifically designed for small business purchases. They offer favorable terms: up to 25-year repayment periods, competitive interest rates, and down payments as low as 10%. The SBA does not lend directly — approved lenders issue the loans with an SBA guarantee. Buyers must meet eligibility requirements including good credit, relevant experience, and sufficient equity injection.
Let us help structure financing solutions that close your deal successfully.