We place business acquisition loans for buyers of ecommerce, SaaS, agency, and digital businesses. One advisor routes your deal into the program that fits — SBA 7(a) for maximum leverage, Flex for speed and complex structures, or Capital Access for institutional stacks above $10M.
One advisor. Three programs.
Every deal routes through a single point of contact.
A business acquisition loan finances the purchase of an existing business rather than its day-to-day operations. The capital is structured around the purchase price, secured by the target's assets and cash flow, and underwritten on the buyer's ability to operate it post-close. That framing matters: working-capital lenders price for revenue growth; acquisition lenders price for transition risk and durable cash flow.
We don't finance growth capital, inventory lines, or merchant-cash advances. We finance the moment a buyer takes control of an operating business — from a $1M Shopify brand bought through an SBA 7(a) loan to a $50M ecommerce roll-up funded through senior, mezzanine, and preferred equity layered inside one closing.
We only recommend a program once we've read the file. No upsell, no preferred SKU.
Best forUS buyers acquiring US ecommerce, SaaS, agency, or services businesses under $5M loan need.
Best forGreen card holders, roll-ups, holdcos, speed-critical closes, and deals that don't fit inside SBA 7(a).
Best forBusiness-agnostic financing for lower-middle-market operators, sponsors, and platform acquirers — ecommerce, SaaS, and traditional businesses alike.
A side-by-side read on what each program does and when.
| Dimension | SBA 7(a) | Flex | Capital Access |
|---|---|---|---|
| Loan size | $750K – $5M | $1M – $5M | $10M – $250M |
| Personal guaranty | Required | Required | Negotiated |
| Citizenship | US citizens only | US citizens or green card holders | US citizens or green card holders |
| Down payment | 10% (5% can be seller note) | Structure-dependent | Equity sized to deal plan |
| Close speed | Multi-month | Faster than SBA | Marketed process |
| Cost profile | Lowest | Mid | Blended |
| Best for | US-citizen owner-operators | LPRs, complex structures, fast close | Lower-middle market, business-agnostic |
The questions buyers actually ask before they pick a program.
A business acquisition loan finances the purchase of an existing business rather than its day-to-day operations. The loan is typically secured against the target's cash flow and assets, structured around the purchase price, and underwritten on the buyer's ability to operate the acquired business. We place three programs: SBA 7(a) for US-citizen buyers acquiring under $5M loan size, Flex for green card holders and complex structures from $1M to $5M, and Capital Access for institutional stacks above $10M.
Three questions decide it. First, citizenship: SBA 7(a) requires every 20%+ owner to be a US citizen post-March 2025; Flex and Capital Access also accept lawful permanent residents (green card holders). Second, deal size: $1M–$5M loan need can route to SBA or Flex; $10M+ moves to Capital Access. Third, structure: SBA 7(a) requires owner-operator intent and a personal guaranty; Flex fits when the structure (holdco, roll-up, fast close, LPR buyer) won't work inside 7(a). Send us the target and we return a written program match before you spend any time on diligence.
SBA 7(a) prices off Prime with a market spread, set on the term sheet after credit review and adjusting quarterly. Flex prices off SOFR with a spread sized in committee, typically several points higher than SBA. Capital Access stacks blend senior debt, mezzanine, and preferred equity, so the all-in cost depends on the layering. We don't quote a flat rate sight-unseen — every term sheet is shaped by the file.
On SBA 7(a), 10% minimum; up to half can come from a seller note on full standby. On Flex, equity is structure-dependent — unitranche typically requires less sponsor equity than senior-only because seller notes can layer behind senior debt. On Capital Access, equity is sized to the deal plan and can include sponsor cash, seller rollover, and management buy-in.
SBA 7(a) is multi-month: prequalification, full underwriting, SBA submission, third-party reports, and close. Flex closes faster — lender-driven without the SBA layer — but the actual timeline depends on the seller, counsel, and credit committee. Capital Access is a marketed process: term sheet round, diligence, doc circulation, and close, typically running on the seller's exclusivity window. None of the three are 30-day closes; plan accordingly when you negotiate the LoI.
Yes. We finance ecommerce, Amazon FBA, Shopify and DTC brands, SaaS, marketplaces, agencies, and digital services operators across all three programs. Industry-specific underwriting nuances — Amazon platform risk, ASIN concentration, Shopify churn, SaaS net revenue retention — are baked into how we write the credit memo.
Cost vs. eligibility and structure. SBA 7(a) is the lowest-cost option in the market because the SBA guaranty reduces lender risk; the trade is a personal guaranty, owner-operator intent, multi-month underwriting, a $5M cap, and US-citizen-only ownership. Flex is institutional or private-credit money at $1M–$5M: higher rate, also requires a PG, but accepts green card holders, allows more flexible deal structures (holdcos, roll-ups, earn-outs), and closes faster than SBA. On deals that fit inside SBA, SBA wins on cost. On deals that don't, Flex isn't more expensive — it's the only answer.
Yes. Partner buyouts run through SBA 7(a) when the buyer is a US citizen and the loan need fits the cap. Management buy-ins where the incoming operator owns less than 100% post-close work cleanly under SBA 7(a) at 90% leverage. Larger or more complex MBIs route to Flex or Capital Access depending on size and structure.
Submit the target, the LoI (or draft), and a one-line buyer profile. We'll return a written program match covering which of the three is the right fit and indicative terms — no credit pull required.
