Acquiring a small business under $5M? We specialize in identifying and placing the right financing structure for Main Street acquisitions and digital assets — deals that traditional banks either decline or don’t know how to underwrite.
Apply for Financing Submit a Client Deal →The Main Street business acquisition market is one of the largest and most underserved segments in small business lending. Thousands of profitable businesses change hands every year — restaurants, retail stores, professional services firms, and service businesses — and the majority of buyers need financing to close.
SBA 7(a) allows buyers to finance up to 90% of the purchase price including goodwill, working capital, and transition costs — with repayment terms up to 10 years. No conventional lender comes close to that leverage. We know how to package these deals and which lenders close them efficiently.
We’ve also built expertise in online business acquisitions — e-commerce stores, SaaS products, content sites, and digital brands. These are cash-flowing assets that traditional banks don’t know how to underwrite. We do, and we have lenders who will fund them.
Main Street businesses, online assets, and professional practices — packaged and placed with the right lender.
Brick-and-mortar businesses including retail, restaurants, professional services, childcare, and personal care.
E-commerce stores, SaaS products, content sites, and digital brands. We structure acquisition financing for digital assets most banks decline.
Dental, veterinary, optometry, and medical practices. Higher deal values, strong cash flows, and lenders who specialize in healthcare.
When sellers carry a portion of the purchase price, we structure the financing and seller note stack to maximize your leverage and close faster.
Working capital lines to stabilize cash flow during business transitions — critical for the first 6–12 months after close.
Growth financing for recently acquired businesses — additional locations, inventory, equipment, or team expansion.
Lenders look at the same core factors for every business acquisition. Here’s what needs to be in place before we submit your deal.
The business must show consistent profitability — typically 2–3 years of tax returns with positive net income after add-backs.
The buyer’s personal credit is a primary underwriting factor. We identify the right lender for each borrower profile.
Buyers typically need 10% of the purchase price as an equity injection. For online businesses this may be higher depending on the lender.
For acquisitions over $500K, lenders often want a QoE report. We help you understand when it’s required and how to get one.
A 90-day consulting agreement from the seller strengthens the deal significantly. Lenders want to see continuity during transition.
Business tax returns (or P&Ls for online businesses), bank statements, and a detailed buyer resume showing relevant experience.
Tell us about your deal and we’ll confirm financing options and lender fit within 48 hours.
Apply for Financing → Submit a Client Deal