Can I get financing to buy an existing business?

Financing may be available for an eligible business purchase or acquisition of an ownership interest. Available options depend on the business’s financial performance, your qualifications, the purchase terms, and financing provider requirements. Sentry & Sage Consulting helps you evaluate available options through our lending relationships.

How much money will I need to contribute?

There is no single contribution requirement that applies to every acquisition. The amount depends on the financing program, transaction structure, business being purchased, and your qualifications. We help you understand the proposed contribution and account for closing expenses and operating cash needs.

Can seller financing be part of the purchase?

If the seller is willing to finance part of the purchase, we can help you evaluate how that arrangement fits with other proposed funding. Participating financing providers must accept the structure, including the seller’s repayment terms. Seller financing does not automatically replace a required buyer contribution.

Can I qualify with less-than-perfect credit?

Credit challenges can affect eligibility, available terms, and contribution requirements, but your credit score is only one part of the information reviewed. We help you assess whether available financing options fit your circumstances, the business’s financial position, and the proposed purchase. Approval is not guaranteed.

What documents will I need for an acquisition financing review?

Start with the information you have about the business, purchase price, funding request, and your background. Depending on the provider and stage of the transaction, additional documents may include business financial statements, tax returns, a purchase agreement or letter of intent, and information about your available contribution. We help identify what is needed as the review progresses.

Can acquisition financing include working capital after closing?

Some financing structures may accommodate eligible working capital alongside the purchase, while others require a separate arrangement. We help you evaluate the cash needed for payroll, inventory, suppliers, and other transition expenses against the available financing terms.

Tell us about the business you want to buy.

Share a few details about your planned acquisition and the funding you’re seeking.

BUSINESS ACQUISITION FINANCING

Buy an established business with a clearer financing plan.

Buying an existing business or acquiring an ownership interest takes more than agreeing on a price. Sentry & Sage Consulting helps you explore business acquisition loans and other available financing structures through our specialized lending relationships. We help you evaluate the purchase terms, your qualifications, and the business’s cash flow so you can compare options before moving forward.

✔ Explore financing for an eligible business purchase

✔ Evaluate options for acquiring an ownership interest

✔ Review funding needs, buyer contributions, and repayment requirements

Apply for Acquisition Financing

Financing is subject to approval and available terms. Eligibility depends on buyer qualifications, the business being acquired, transaction structure, and provider requirements.

Financing for the business you want to own.

Whether you’re buying your first business, expanding through an acquisition, or purchasing an ownership interest, the financing needs to fit the transaction. We help you evaluate available options around the purchase price, your contribution, and the business’s ability to support repayment.

Look beyond the purchase price.

A financing plan should account for your contribution, transaction expenses, existing obligations, and cash needed after closing. We help you evaluate those needs alongside the proposed payments.

Review My Acquisition Financing Options

Purchase an Existing Business

Explore business acquisition financing for purchasing an established company. We help you evaluate the funding request alongside the business’s operating history, financial performance, assets, and proposed purchase terms.

Acquire an Ownership Interest

Evaluate financing options for purchasing a stake in an existing business or buying out an owner’s interest. Availability depends on the ownership structure, transaction details, buyer qualifications, and provider requirements.

Plan for the Ownership Transition

The purchase price may not represent every funding need. We help you consider eligible transaction costs and working capital for the transition, including inventory, payroll, and other operating expenses. Whether these costs can be financed depends on the program and proposed terms.

A financing structure that fits the acquisition.

Buying a business can involve more than one source of capital. We help you evaluate available acquisition financing alongside your contribution, any proposed seller financing, and the cash the business will need after closing.

Business Acquisition Financing

Explore financing toward the purchase of an established business. Available options depend on the business’s financial performance, your qualifications, the proposed purchase terms, and provider requirements.

Seller Financing & Buyer Contributions

If the seller offers to finance part of the purchase, those terms need to work alongside the other funding involved. We help you evaluate the proposed structure and understand what participating financing providers require from you and the seller.

Working Capital After Closing

Payroll, inventory, suppliers, and other expenses continue after ownership changes. We help you consider the operating cash needed for the transition and whether eligible working capital can be included in the funding or evaluated separately.

Compare the full financing picture: your cash contribution, payment obligations, total financing costs, and the operating cash available after closing.

Review My Acquisition Financing Options

A closer look at the business you want to buy.

The purchase price is only part of the picture. We help you evaluate business acquisition financing around the company’s financial performance, your background and contribution, and the proposed transaction terms.

The Business & Its Financial Performance

We review available information about the business’s revenue, expenses, existing obligations, and operating history. Financial statements, tax returns, and other supporting records help financing providers evaluate the request.

Your Experience & Financial Contribution

Your relevant experience, credit profile, available funds, and proposed ownership role help shape the options worth exploring. We help you understand the buyer information and contribution requirements associated with available financing.

The Purchase Terms & Transition Plan

We consider the proposed purchase agreement, what is included in the sale, any seller financing, and your expected closing timeline. We also help you account for operating cash needs as ownership changes.

Start with our short funding request. You’ll then continue to the secure funding application, where you can provide additional details for review.

FAQ

Business Acquisition Financing FAQs

Take the next step toward business ownership.

Whether you’ve identified a business to buy or are exploring an ownership opportunity, a clearer financing plan can help you move forward. Sentry & Sage Consulting helps you evaluate flexible business acquisition financing options through our specialized lending relationships, with attention to the purchase terms, your contribution, and the business’s cash flow.