Merger & Acquisition Financing
Strategic capital to fund business acquisitions, buyouts, and mergers.
$500K – $50M+
Loan Amount
7% – 15%
Typical APR
3 – 10 years
Loan Term
30 – 90 days
Funding Time
What is a Merger & Acquisition Financing?
Merger and acquisition financing provides the capital businesses need to acquire a competitor, purchase an established company, execute a management buyout, or merge with a strategic partner. These deals require specialized lenders who understand complex deal structures, seller notes, and the unique due diligence involved in business acquisitions.
Minimum Credit Score
680+
What Can Funds Be Used For?
Business Acquisitions
Purchase an existing business, franchise, or competitor in your market
Management Buyouts
Enable management teams to purchase the business from existing owners
Mergers
Fund the financial mechanics of merging two companies into one
Recapitalizations
Restructure a company's capital by replacing equity with debt financing
Franchise Acquisitions
Finance the purchase of existing franchise locations or territories
Competitor Buyouts
Consolidate your market position by acquiring a direct competitor
How It Works
From application to funding — here is exactly what to expect when applying for a Merger & Acquisition Financing.
Submit Deal Overview
Share the target business financials, asking price, and your intended deal structure with us.
Lender Matching
We match your deal with acquisition lenders and SBA 7(a) lenders that specialize in business purchases.
Due Diligence & Underwriting
Lenders review both your financials and the target company's financials, including 3 years of returns and a business valuation.
Close the Deal
Once approved, funds are structured and disbursed at closing to complete the acquisition.
Do You Qualify?
Min. Credit Score
680+
Buyer Experience
Industry experience preferred
Down Payment
10% – 30% of deal value
Target Business
2+ years profitable
Business Valuation
Required
Collateral
Business assets & goodwill
Pros & Cons
Advantages
SBA 7(a) available for qualifying acquisitions (up to $5M)
Seller financing can be layered alongside bank debt
Goodwill and intangible assets can be financed
Long repayment terms reduce monthly cash burden
Considerations
Complex due diligence and underwriting process
Requires strong personal and business financials
Longer approval timeline (30–90 days)
This deal deserves a specialist — not a form.
M&A transactions involve complex deal structures, due diligence timelines, and seller negotiations that a standard application can't capture. Our specialists work directly with acquirers to structure the right financing for your specific deal.
Your Specialist Team
Marcus Webb
Senior M&A Advisor
Diana Kroft
Capital Structuring Specialist
Our specialists have closed complex transactions across M&A, recapitalizations, and structured debt placements.
Ready to Apply for a Merger & Acquisition Financing?
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.