Buy a Business

Financing to Acquire or Expand

Whether you’re buying into a franchise, acquiring a competitor, or purchasing a new business altogether, we can help make the transition smooth and strategic. With custom lending structures and fast approvals, our team helps entrepreneurs and investors secure the capital needed to take ownership and take off.

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Purchasing an established business or franchise

Partner buyout or ownership restructuring

Expansion into new markets via acquisition

Loan Highlights

SBA 7(a), 504, or conventional financing available
Flexible terms and amortization schedules
Options for asset, stock, or goodwill-based acquisitions

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Buying a Business

Frequently Asked Questions

Can I buy a business with no money down?

It’s rare, but there are creative ways to reduce upfront capital — including seller financing, SBA loans with equity injections from investors, or using retirement funds through a ROBS (Rollover as Business Startups) strategy. We can help you explore options.

What financials do I need from the business I want to buy?

Typically you’ll need 2–3 years of tax returns, a current P&L, balance sheet, and business debt schedule. Lenders will review cash flow to ensure the business can service the loan.

Can I get financing if I’ve never run a business before?

Yes, though experience helps. If you’re new to ownership, lenders may look for a strong business plan, a management team with relevant experience, or require additional collateral.

What’s the difference between asset and stock purchase financing?

An asset purchase means you buy the equipment, client list, etc., but not the company itself. A stock purchase means you acquire ownership of the company as-is — liabilities and all. We can help structure financing for either.

Can I use SBA loans to buy a franchise?

Yes — SBA loans are one of the most common ways to fund franchise purchases. Most franchises in the SBA Franchise Directory are eligible.