Buyer Services
Financing a Business Acquisition
Buying a business isn't just about finding the right opportunity — it's about structuring the deal correctly, securing the right financing, and avoiding mistakes that cost real money later.
This page explains the main financing options for business acquisitions and how we help buyers evaluate and structure deals. Ready to see if you qualify? Start with our buyer qualification.
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How Business Acquisitions Are Financed
Most business acquisitions are funded through a combination of bank financing (SBA loans), seller financing, and buyer equity. Understanding these options helps you choose the right structure and avoid common pitfalls.
SBA 7(a) Loans
The most common way to finance a small business acquisition. Typically 10% down, terms up to 10 years. Lenders require DSCR of 1.25x or better and clean financials.
Seller Financing
The seller finances a portion of the purchase price (often 10–30%). Reduces your upfront capital and keeps the seller invested in a smooth transition.
Earnouts & Equity Rollovers
Earnouts tie part of the price to future performance. Equity rollovers let the seller retain a minority stake. Both bridge valuation gaps and align incentives.
Deal Structure
Asset vs stock sale, working capital at close, and contingencies. Structure matters as much as price — we help you protect your downside.
Learn More in Our Training Hub
Our free training hub covers SBA basics, seller carry, earnouts, and equity rollovers in detail. Start with the Buyer Training module for a structured learning path.
Explore Buyer TrainingHow We Help With Financing & Deal Structure
- SBA 7(a) and acquisition loan strategy
- Cash flow and debt service analysis
- Deal structuring guidance (seller financing, earn-outs, equity rollovers)
- Partner buy-in and buy-out structuring
- Lender and financing readiness support
- Second-look reviews before LOIs or offers
Our Services
SBA Acquisition Strategy
Guidance on SBA 7(a) and acquisition financing — including deal sizing, lender expectations, and structuring transactions that actually get approved.
Deal Structuring & Leverage
Support structuring offers using seller financing, earnouts, equity rollovers, and partner buy-ins to reduce cash required and improve deal terms.
Cash Flow & Risk Analysis
Second-look reviews of cash flow, debt service coverage, add-backs, and downside risk before LOIs, offers, or financing commitments.
Complex Deal Problem-Solving
Help navigating messy situations — partner disputes, partial buyouts, seller carrybacks, lender concerns, or deals that don't fit a standard box.