Business Acquisition Financing
Buy an existing business — the SBA 7(a) program is the most common financing tool for business acquisitions.
Overview
Buying an existing business is one of the most reliable paths to business ownership. SBA 7(a) loans are the most common financing vehicle, covering the purchase price including inventory, equipment, real estate, and goodwill. The SBA allows buyers to purchase businesses with as little as 10–20% equity injection, with 10-year terms for business acquisitions.
Who Is This For?
- Entrepreneurs acquiring their first business
- Business owners acquiring competitors or complementary businesses
- Management teams executing buyouts
- Investors purchasing established, cash-flowing businesses
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Business Due Diligence
Review financials, tax returns, and business valuation.
Structure the Deal
SBA financing + seller note + equity — we help structure the optimal package.
SBA Application
Submit your business plan, projections, and acquisition package.
Close & Transition
SBA approval, closing, and ownership transition.
Frequently Asked Questions
SBA typically requires 10–20% equity injection for business acquisitions. Seller notes on standby (no payments for 24 months) can sometimes count toward this requirement.