-
How to Finance a Business Purchase: Our Guide to Financing a Small Business Acquisition
There are many ways to purchase a business. From acquisition loans to leveraged buyouts and seller financing, this guide explains your financing options.
-
The Financing Benefits When Purchasing an Established Business
This article explores the financial benefits of buying an established business for business owners and entrepreneurs looking for new business opportunities.
-
Business Loan Requirements: Understanding Lender Expectations
Learn about the key requirements for obtaining a business loan to buy a business. Discover what lenders look for and how to prepare your application.
-
Business Loan Terms: What to Know Before Buying a Business
Essential business loan terms shape your acquisition financing. From interest rates to repayment schedules and collateral requirements, master these elements to secure favorable terms and make confident decisions.
-
Documents Needed for a Business Loan to Buy a Business
Planning to buy a small business? Discover the documents needed for a business loan, from tax returns and financial statements to business plans, for lenders to approve your application.
-
Debt-Service Coverage Ratio (DSCR) in Business Sales and Acquisitions
Debt-Service Coverage Ratio (DSCR) is key in buying or selling a business. Learn how this metric affects business owners selling their company and buyers seeking acquisition financing.
-
Post Close Liquidity – Why Cash After Closing Matters When Buying a Business
Post-close liquidity is the cash a buyer has after closing a business purchase. Learn why lenders require it, how much you need, and how it differs from working capital.
-
When Financing Derails the Deal
Why do business deals fall through after the LOI is signed? Learn the most common SBA financing problems that kill acquisitions and how to prevent them.
-
What Is a Search Fund?
What makes search funds attractive for business buyers? Understand their structure, mechanics, benefits, and associated risks.
-
Escrow vs. Earnest Money: Understanding Their Role When Buying or Selling a Business
Explore the roles of escrow and earnest money in buying and selling a business. Learn how these financial tools protect sellers and buyers to ensure a smooth deal.
-
Down Payment to Buy a Business: How Financing Impacts Down Payment Amount
When it comes to buying a business, down payment requirements vary depending on the type of financing buyers use to facilitate the acquisition.
-
Buying a Business: Financing Options Available from Low Down Payments to All-Cash Offers
This article shares financing options for buying a business and the various down payments associated with different financing options and deal structures.
-
How U.S. Buyers Can Finance a Canadian Business Acquisition
Discover how U.S. buyers can finance the acquisition of a Canadian business without SBA loans. Explore alternative funding options, deal structures, and expert tips for successful cross-border transactions.
SBA Loans
-
SBA Loans 101: What Small Business Buyers and Sellers Need to Know
An introduction into what an SBA loan is, the top two SBA loan programs, their benefits, SBA rules and the lending process.
-
SBA Loan Timeline: How Long Does It Take to Get an SBA Loan?
Understand the SBA loan timeline step by step, typical 60-90 days from application to funding, what happens at each phase and ways to avoid delays.
-
SBA Loans for Franchise Buyers: What You Need to Know
The SBA program provides many advantages for acquiring a franchise business, including more favorable terms than some conventional loan options.
-
Using an SBA 7(a) Loan to Finance a Business Acquisition
The SBA 7(a) program provides many advantages for acquiring an established business, including attractive terms and modest down payment.
-
Eligibility Requirements for an SBA Business Acquisition Loan
SBA loans are some of the most business-friendly, but there are criteria that borrowers will need to meet.
-
How to Get Prequalified for an SBA Loan Before Making an Offer
SBA prequalification can make your offer stand out. Learn what lenders look for, required documents, and how to get an SBA prequalification letter before buying a business.
-
SBA Loan Lease Requirements: What Buyers Need to Know
Learn how lease terms, landlord waivers, and assignments impact SBA loan approval when buying a business, and how to avoid common delays.
-
Demystifying SBA Loans for Buying a Business or Franchise
Find out why an SBA loan should be the first stop when seeking financing to buy a business.
-
Decoding the SBA Loan Term Sheet: A Guide for Business Owners
Discover what an SBA loan term sheet is and why it matters. Learn to interpret its components to make informed business financing decisions when buying a business.
-
What Is an SBA Commitment Letter?
The SBA commitment letter is a major milestone in the SBA loan process. Learn what it is and what it means for financing your acquisition.
Alternative Financing Options
-
Non-SBA Business Acquisition Loans: Alternatives to SBA Loans for Buying a Business
When buying a business there are several financing options available and a variety of alternatives to SBA loans. This article explores non SBA business acquisitions loans for entrepreneurs.
-
What Is Seller Financing For Business?
Buyers can make payments directly to sellers who have a vested interested in the success of the new owner
-
The Dos and Don'ts of Seller Financing
Assess the risks, leverage the benefits and thoroughly evaluate the arrangement
-
What Is an Earnout? A Guide for Small Business Transactions
Understand how earnouts work, why they're used in business transactions, and the potential benefits and risks involved.
-
Using Retirement Funds to Buy a Business
Entrepreneurs looking for financing to buy a business can leverage retirement savings. Explore tax implications, legal considerations, and how to acquire a business using retirement funds.
-
Leveraging Home Equity to Buy a Business
Entrepreneurs looking for financing to buy a business can leverage a home equity line of credit. Explore tax implications, legal considerations, and how to acquire a business using a home equity loan.
-
Alternative Lending and Other Financing Options for Buying a Business
Beyond traditional banks - the many ways to obtain funding to buy a business or franchise.
-
Business Loan vs. Personal Loan: What’s the Difference?
Weighing the pros and cons of personal vs business loans to buy a business.
-
Personal Guarantees in Business Acquisition Financing
Learn about personal guarantees and their impact on loan agreements when buying a business. Discover how to manage and negotiate these guarantees effectively.
Financing Calculators
-
Calculate How Much Business You Can Buy
See how much you can afford to buy given your available cash, required annual salary, and risk profile.
-
Calculate Debt Service Coverage
Use our debt service coverage calculator to see how its cash flow and asking price pencil out against a lenders typical requirements.
-
Calculate Working Capital
Find out how much short-term cash a business needs to keep operating after the sale closes - and negotiate its level in the transaction.
More Business Buying & Valuation Calculators