SBA Acquisition Financing
Government-Backed
Business Purchase Loans
Business Purchase Loans up to $15 Million
SBA Acquisition Financing
If you are planning to purchase a business, acquire assets, or expand through strategic growth, SBA Acquisition Financing offers one of the most powerful, flexible, and affordable solutions available.
How SBA Acquisition Financing Works
- Identify the business or assets to be acquired
- Submit financials, acquisition details, and business plan
- Lender conducts SBA and credit underwriting
- SBA authorization issued
- Closing and legal documentation finalized
- Funds released for acquisition
Easy Rates
6 — 8%
Flexible Terms
5 to 25 years
High Loan Amounts
$1,000 to $15,000,000
How SBA Acquistion Financing work!
Limit Amount: $1,000 to $15,000,000
Terms: 5 – 25 years (business structure-based)
Rates: Typically 6% – 8%
Qualifications: Borrowers typically must demonstrate:
- 650–680+ personal credit score
- Strong personal financial profile
- Proven management or industry experience
- Clear, well-structured business acquisition plan
- Historical financials from the target business
- Ability to service debt from cash flow
Lenders closely review both the buyer and the business being acquired.
Collateral Guidelines (requirements vary based on loan structure and size):
- Business assets from the acquired company
- Commercial real estate (if applicable)
- Equipment, inventory, or accounts receivable
- Personal guarantees are typically required
While SBA loans are more flexible, lenders will collateralize the loan when available.
Government-Backed Loans to Buy a Business, Real Estate, or Assets
SBA Acquisition Financing
SBA Acquisition Financing provides small and mid-sized businesses with access to government-backed capital to acquire other companies, purchase commercial real estate, or buy business assets. Backed by the U.S. Small Business Administration, these programs allow lenders to offer lower down payments, longer repayment terms, and more flexible underwriting than conventional acquisition loans.
SBA Acquisition loans are ideal for entrepreneurs, business owners, and investors seeking to grow through acquisition, succession planning, partner buyouts, or expansion strategies.
Benefits of SBA Acquistion Financing
SBA Acquisition Financing helps business buyers secure long-term, affordable capital to purchase an existing company, partner buyout, or franchise with favorable terms. Backed by the Small Business Administration, these loans typically offer lower down payments, extended repayment periods, and competitive interest rates, making acquisitions more accessible while preserving working capital. SBA acquisition financing allows buyers to leverage the acquired business’s cash flow to support repayment, enabling strategic growth through ownership transition without overextending personal or business resources.
- Government-backed programs with lower down payments
- Long-term repayment for manageable monthly payments
- Finance business acquisitions, partner buyouts, and asset purchases
- More flexible underwriting than traditional banks
- Can include working capital and build-out costs
- Strong option for first-time or repeat business buyers
SBA Acquisition loans may be used for:
- Purchasing an existing business
- Buying out partners or shareholders
- Mergers and roll-ups
- Purchasing commercial real estate tied to an acquisition
- Acquiring equipment, inventory, and goodwill
- Business succession planning
- Expansion into new markets
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our SBA Acquisition Financing program is just one of the many ways we’re working to make that happen.
To learn more about our SBA Acquisition loans or to apply for other funding today, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Can I buy an existing business with SBA financing?
Yes. SBA acquisition financing is one of the most common ways to purchase an existing business.
Is a down payment required?
Yes. Typically 10% or more depending on structure and risk profile.
Can I add working capital?
Yes. SBA acquisition loans often include operating capital.
How long does funding take?
Most acquisitions close in 30–75 days, depending on complexity.
Get Started
Contact us to learn more about our SBA Acquisition Financing programs. Our team of experts is standing by to help you find the perfect financial solution for your business.
