Learn how to fund your business acquisition.
*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.
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Find answers to some commonly asked questions about business acquistion loans.
A business acquisition loan provides financing to small businesses looking to expand their reach by purchasing another business. There are a couple of different ways small business owners can utilize an acquisition loan. One option is to purchase an existing business outright. Maybe it’s a competitor or a related industry you want to expand in. Or maybe you’re interested in owning a business, but don’t want the hassles of navigating a start-up. Alternatively, an acquisition loan can also be used to purchase a franchise location.
Lenders review a variety of criteria when evaluating your application for a business acquisition loan. The importance placed on each factor may vary depending on the type of loan you apply for. For instance, a term loan, such as an SBA business acquisition loan, will typically require a down payment minimum. A line of credit application may place more emphasis on your revenue and cash flow.
For most small business loans, a lender will review factors like your credit history, time in business, and revenue to determine if you qualify. If you’re buying a business or franchise, your lender will look at slightly different criteria to ensure that you’re investing in a viable business, and in turn, will be able to repay the loan.
Be prepared for these specific application requirements for a business acquisition loan.
You can get a business acquisition loan from a variety of sources including banks and credit unions, SBA lenders, and online lenders. Before getting a business acquisition loan, make sure to understand that where you get your loan from matters.
Like all loan types, there are benefits and drawbacks to getting a business acquisition loan.
Pros
Cons
Business acquisition loan amounts range from $250,000 all the way up to $5,000,000. The amount you qualify for depends on a number of factors, including your credit score, company revenue, and existing debt. Every lender will review these factors to make sure your company can safely handle your new loan payments.
Focus on types of business loans that don’t require a down payment. Both lines of credit and revenue-based loans are good starting points when exploring your options. Comparing multiple loan structures from different lenders in Lendio’s network is a smart way to find the right type of business acquisition loan for your needs.
Lendio makes the business acquisition loan process as easy as possible. The application takes just 15 minutes and you’ll get a quick response. Plus, funding arrives in your bank account within 24 hours of getting approved.
There are more nontraditional, alternative options to consider when looking for a business acquisition loan. These can include angel investors, crowdfunding campaigns, family and friends, and more. Make sure to understand considerations and stipulations when deciding on a business acquisition loan.
See what you can qualify for on the Lendio Marketplace.