Business Acquisition Financing
💼 Finances Goodwill
💰 10% Down
📊 Up to $5M
Financing Your Business Acquisition
Buying an existing business is one of the fastest paths to business ownership. Unlike startups, acquisitions come with established cash flow, customer relationships, and operational systems. CreditHub Access specializes in structuring acquisition financing that maximizes approval odds while minimizing your out-of-pocket investment.
The SBA 7(a) program is often the best option because it can finance intangible assets like goodwill — something conventional lenders typically won’t touch.
Types of Acquisitions We Finance
🏪 Full Business Acquisitions
Purchase existing business including assets, customers, and goodwill.
🍔 Franchise Purchases
Finance your franchise investment with SBA-approved programs.
🤝 Partner Buyouts
Buy out a partner to consolidate ownership.
📦 Asset Purchases
Acquire specific assets without assuming all liabilities.
📈 Stock Purchases
Acquire ownership shares for seamless transition.
👔 Management Buyouts
Management team acquires from current owners.
The Acquisition Financing Process
1
Pre-Qualification
We assess your background, credit, and liquidity to determine buying power.
2
Deal Review
We analyze the financials and structure to assess bankability.
3
Lender Matching
We identify best lenders for your specific deal.
4
Package & Close
We prepare documentation and guide through closing.
What Lenders Look For
- Buyer Qualifications: Industry experience, management skills, credit, liquidity
- Business Performance: Historical cash flow, profitability, growth
- Deal Structure: Purchase price relative to cash flow (typically 2.5-3.5x SDE)
- Equity Injection: Your down payment (typically 10-20%)
- Seller Involvement: Transition support and potential seller financing
SBA Acquisition Terms
- Loan Amount
- Up to $5M
- Down Payment
- 10-20%
- Term
- 10 years
- Includes
- Goodwill ✓
- Working Capital
- Yes ✓
Ideal Candidate
- ✓ Industry experience
- ✓ 680+ credit score
- ✓ 10-20% equity available
- ✓ Management capability
- ✓ No recent bankruptcies