Financing Option
Financing Option
Securing the right financing is essential to any deal
SBA Loans
A government-backed loan with low down payments and long terms. We guide buyers through the process to improve approval and deal structure..
Seller Financing
The seller carries part of the price, reducing upfront costs and adding flexibility. We help structure terms that protect both sides.
Bank Financing
A traditional loan requiring strong credit and solid financials. We help prepare loan packages and connect buyers with the right lenders.
SBA Loan
SBA loans, backed by the Small Business Administration, offer longer terms, lower down payments, and are used in most small business acquisitions.
SBA (Small Business Administration) loans are partially guaranteed by the U.S. government, allowing banks and lenders to provide loans with lower risk. They typically finance 70%–90% of the purchase price, often requiring a smaller down payment.
Benefits:
Lower down payment requirements (as low as 10%)
Longer repayment terms (often 10 years or more)
Competitive interest rates
Easier qualification due to government backing
Seller Financing
In seller financing, the seller carries part of the purchase price as a loan to the buyer, offering flexible terms and making it easier to complete the deal.
In a seller-financed transaction, the seller acts as the lender by carrying a note for a portion of the purchase price, which the buyer pays over time. This often complements other financing sources.
Benefits:
Increases deal flexibility and can bridge financing gaps
Shows seller confidence in the business, which can help attract other lenders
May reduce the amount of bank/SBA financing needed
Often faster to close with more flexible terms
Bank Loan
Traditional bank loans provide funding directly from a bank, typically requiring strong credit, solid financials, and a larger down payment.
Traditional bank loans are issued directly by banks without an SBA guarantee. These loans typically require strong financials, excellent credit, and a larger down payment from the buyer.
Benefits:
Streamlined process with direct lending
Fewer restrictions on how funds can be used
Typically faster approval for qualified borrowers
Can be less paperwork than SBA loans