Review financing structures for buying a business, including SBA, conventional, seller-financed, and hybrid acquisition structures. A confidential advisory discussion can determine which financing approach best aligns with the target business, industry, and your capital position.
What Gets Reviewed
A practical review of the target business, acquisition structure, buyer capital position, and financing approaches that may support a successful transaction.
Industry, cash flow, assets, customer concentration, and growth trajectory — factors that affect financing availability and structure.
Asset purchase vs. stock purchase, earnout considerations, working capital peg, and how deal structure affects financing options.
Buyer equity contribution, seller financing, SBA eligibility, conventional loan options, and hybrid structures combining multiple sources.
SBA lenders, conventional banks, mezzanine funds, and other capital sources — comparing their acquisition experience, terms, and speed.
Where Value May Be Found
A practical review of acquisition financing structures, lender options, and terms that may support a successful transaction.
Industry, size, cash flow, and growth profile — and how these affect lender appetite and financing structure.
Purchase price, earn-out, seller note, working-capital peg, and how structure affects financing requirements.
Down payment, equity roll, seller financing, senior debt, mezzanine, and SBA — structuring the capital stack.
SBA 7(a), conventional bank, mezzanine, private credit, and seller financing — comparing speed, terms, and requirements.
Post-acquisition cash flow projections, debt service coverage ratios, and what the combined entity can reasonably support.
Interest rates, amortization, covenants, personal guarantee scope, and prepayment flexibility across lender types.
What the Review Looks Like
A structured approach to evaluating acquisition financing fit, structure, and lender options for your specific transaction.
Review of the target business, deal structure, purchase price, and transaction goals.
Modeling equity-debt mix, identifying appropriate financing sources, and structuring the capital stack.
Side-by-side comparison of terms, rates, speed, and requirements across viable lender options.
Clear findings on financing feasibility, recommended structure, and expected terms for your acquisition.
Who This Is For
Acquisition financing review can support a range of buyers across industries and transaction types.
Entrepreneurs transitioning from employee to owner who need help navigating acquisition financing for the first time.
Experienced buyers seeking to optimize capital structure, compare new lender options, or finance platform add-ons.
Management-led buyouts where the operating team needs financing to acquire the business they run.
Firms evaluating acquisition financing options for platform investments, add-ons, or portfolio companies.
Signals This May Be Worth Reviewing
Common scenarios where an independent financing review can add value to the acquisition process.
Understanding your financing options and likely terms before making an offer or signing a letter of intent.
When you need clarity on which financing path best fits your deal, timeline, and long-term goals.
When the deal includes seller notes or earn-outs and you need to evaluate how they affect the overall capital structure.
When you are reviewing several potential acquisitions and need financing feasibility and structure for each.
When you want an independent view on whether the proposed debt level leaves adequate post-close operating flexibility.
When your current banking relationship is offering acquisition terms that seem out of line with market.
How We Help
Our team provides confidential, senior-level evaluation of acquisition financing options. We do not lend and do not accept referral fees from lenders — our focus is identifying the right capital structure for your acquisition and helping you compare terms across the lender landscape.
From pre-LOI financing readiness through lender comparison and term evaluation, we help ensure acquisition financing decisions are made with clear structure, full cost visibility, and an understanding of post-close implications.
Objective evaluation — we are not a lender and have no incentive to recommend financing that isn't right for your deal.
Deep familiarity with SBA, conventional, and private acquisition lenders — matched to your deal profile.
Full visibility into rates, covenants, guarantee requirements, and prepayment terms so you can compare clearly.
Related Financing Options
Other financing structures that may complement or provide alternatives to acquisition financing.
Review of term loan structures and pricing for predictable, long-term business financing.
Learn morePortfolio-backed credit facilities that may support acquisition down payments or bridge needs.
Learn moreShort-term bridge financing for timing gaps between acquisition closing and permanent financing.
Learn moreFAQ
A short discussion can determine which acquisition financing structures may work for your target transaction. No obligation — just practical perspective from senior advisors.