Acquisition financing.
The capital and structure to buy a competitor, a complementary business, or the location next door. We work with sellers, accountants, and your attorney to close cleanly.
Use acquisition financing when the deal is real.
- Buying a competitor, supplier, or adjacent business with a signed letter of intent or a deal in late conversation.
- Acquiring real estate, equipment, or inventory as part of the transaction.
- Funding a partner buyout or transition of ownership.
How the deal looks on paper.
What you need before you apply.
- Two or more years operating your existing business under current ownership.
- $500,000 or more in annual revenue, documented in tax filings.
- A personal credit score of 680 or higher for primary owners.
- A signed letter of intent, term sheet, or active deal conversation with the seller.
- Working capital sufficient to cover the integration period without leaning on the new revenue.
A close that holds together.
Acquisition deals fall apart for a reason: complexity. The seller wants certainty, the buyer wants flexibility, the lender wants protection, and the timeline is whatever the LOI says. Most lenders treat an acquisition like a term loan with extra paperwork — and that's where the cracks open.
We structure acquisition financing as a single deal across the cap stack: senior debt, seller financing where it makes sense, and earn-out structures that align the seller and buyer past close. We work with the seller's CPA and your attorney directly so the funding structure isn't fighting the deal structure.
The result is a close that holds together — and a post-close period where you're operating the business, not still untangling the financing.
Have a deal in motion?
Bring us the LOI or term sheet and we'll come back with a structure within 48 hours.