Buy a business with an SBA loan
Finance the purchase of an established, profitable business, often with as little as 10% down. We help you structure the deal and match you with the right SBA lender.
Apply for acquisition financing Check if you qualify
Part of our SBA loan program: see all SBA options →One loan for the whole deal
An SBA 7(a) acquisition loan can typically cover:
- The purchase price, including goodwill
- Equipment and inventory that come with the business
- Working capital for a smooth transition
- Real estate included in the sale (terms up to 25 years on the property portion)
- Partner buyouts and changes of ownership
What lenders look for
- A business with 2–3 years of tax returns showing enough profit to cover the new loan payment
- Buyer credit around 680+
- Industry or management experience
- About 10% down (a seller note can sometimes cover part of it)
- No recent bankruptcies or government-loan defaults
From offer to keys in four steps
Most SBA acquisitions take about 45–90 days from a signed LOI, depending on the lender and the deal.
Find the business
Agree on a price with the seller and sign a letter of intent.
Send us the deal
We review the numbers, the structure and your down payment, and tell you honestly what's possible.
Lender underwriting
We match you with an SBA lender and manage the file, valuation and questions.
Close and take over
Sign at closing, the seller is paid, and the business is yours.
Documents to have ready
Having these early keeps the deal on schedule.
From you (the buyer)
- Resume showing your industry or management experience
- 2 years of personal tax returns (2024 and 2025)
- Personal financial statement (SBA Form 413)
- Credit report
- Proof of your down payment funds
From the business you're buying
- Last 3 years of business tax returns
- Year-to-date P&L and balance sheet
- Signed letter of intent (LOI) or purchase agreement
- List of equipment, inventory and other assets included
Found a business to buy?
Send us the deal and we'll show you how to finance it.