Acquisition Financing

Buy a business that's already running.

Financing from $25,000 to $500,000 for the purchase of an existing business — structured as a term loan, signed in writing, and disclosed before close.

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Starting from scratch is one path. Acquiring a business that already has customers, contracts, and cash flow is another — and for many established operators, it's the more honest one. The team is in place. The vendors know the schedule. The brand has years of trust in the door.

An acquisition loan finances that transition. The structure is a term loan: a defined amount, a defined repayment schedule, fixed against a known set of cash flows. What you're buying is continuity, and the financing is built to match it.

A storefront window at dusk — the visual register of a business changing hands.
The storefront keeps the lights on. Photograph: Unsplash

Why an Acquisition Loan

Buying continuity, not starting over.

  1. 1

    Acquire established cash flow.

    Buy a business with an existing customer base, recorded revenue, and operating history — not a projection.

  2. 2

    Predictable monthly payments.

    Fixed monthly payments with a clear payoff timeline. The financing matches the structure of the business it's funding.

  3. 3

    Keep existing contracts in place.

    Acquisitions often come with vendor relationships, customer agreements, and supplier terms already negotiated. The transition preserves them.

  4. 4

    Build equity instead of rent.

    Each payment is equity in a business you own — not a lease check on someone else's asset.

  5. 5

    Competitive rates for qualified buyers.

    Rates reflect both the buyer's credit profile and the financial strength of the business being acquired.

  6. 6

    Guidance through the process.

    A funding specialist works with you from application through close, with terms in writing at every stage.

Who It Fits

Built for buyers ready to operate.

For first-time owners

  • Experienced entrepreneurs with industry knowledge.
  • Professionals stepping into ownership.
  • Buyers with management experience.
  • Buyers with capital for a 10–30% down payment.

For seasoned operators

  • Existing owners expanding through acquisition.
  • Buyers acquiring proven, cash-flowing businesses.
  • Entrepreneurs diversifying or changing industries.
  • Operators ready to take over an existing business.

Rates & Terms

Disclosed before you close.

Acquisition Loan — Starting Ranges

  • Loan amount $25,000 – $500,000
  • Term 12 – 60 months
  • Rate range 12% – 49% APR
  • Financing Up to 90% of price
  • Origination fee 0% – 5%
  • Prepayment penalty None

Rates and amounts are starting ranges; final terms depend on credit profile.

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