Tailored capital structure
for every deal.

Three programs, each designed to fit a specific type of deal. SBA 7(a) delivers high leverage. FLEX steps in when speed or structure disqualify SBA. Capital Access handles institutional-scale transactions.

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$1B+

In acquisition financing

500+

Closed transactions in ecommerce, SaaS, digital, and traditional services

Programs, covering all types of acquisitions

One service.
Three programs.

Most lenders sell what they have. We built three programs because no two deals are alike.

A buyer who walks into a 7(a) lender gets 7(a), even when FLEX would close the deal in half the time and accept structures SBA rejects. A buyer who walks into a private credit fund gets private credit, even when the target would qualify for government-backed senior debt at two hundred basis points less. The product in the room is the product you leave with. That is how the lending industry is structured, and it is how most acquisitions end up overpaying, underleveraged, or closed a month too late.

We built Financing as one service on top of three desks so the intake question isn't “what do you sell?” but “what does the deal need?” A single file gets read in parallel by SBA, FLEX, and Capital Access underwriters. We commit to a primary program within 72 hours, run a backup where it helps, and tell you at intake when something in the deal (a tight exclusivity window, the size of the ask, a holdco structure) rules a program out.

Financing built
around the deal.

Highest leverage

SBA 7(a)

Our most common program

Up to$5M

The most accessible acquisition financing in the market: 10% down, 10-year amortization, no covenants, and full goodwill financing. The program is standardized, but our access isn't — we work with dozens of SBA Preferred Lenders across different credit boxes, giving us flexibility a single-lender shop can't offer.

Leverage: Up to 90% of purchase price
Close: In as little as 60 days
Rate: Market-indexed, set on the term sheet
Approval rate: 98%

Built for buyers who want maximum leverage.

Explore SBA 7(a)↗

Speed & flexibility

FLEX

Built for the deals SBA won't take

From$1M to $10M

Green card holders, acquisitions above the $5M SBA cap, and US-based businesses with foreign ownership. When speed or structure rules SBA out, FLEX steps in.

Close: In as little as 45 days
Rate: Market-indexed, set on the term sheet
Personal guaranty: Required
Citizenship: US citizens and green card holders

Built for deals that require more flexibility.

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Institutional capital

Capital Access

For lower-middle-market deals above $10M

From$10M to $250M

These transactions come with more complexity and more moving parts. Our institutional partners are built for it, and we coordinate the process all the way to the closing wire.

Check size: $10M to $250M
Structure: Senior + mezz + preferred
Senior leverage: 60–70% of TEV
Sectors: Business-agnostic, traditional and digital

For lower-middle-market transactions.

Explore Capital Access↗

Which program fits?

US-citizen buyer, US target, under $5M, willing to sign a PG: ↗ SBA 7(a)
Green card holder buyer (LPR), US target, under $5M loan need: ↗ FLEX
Must close inside 30 days: ↗ FLEX
Already at the SBA 7(a) aggregate cap on prior acquisitions: ↗ FLEX
Holdco or roll-up stacking multiple US acquisitions: ↗ FLEX
Deal size above $10M total enterprise value: ↗ Capital Access
Needs senior + mezz + preferred in one close: ↗ Capital Access
Sponsor-led LBO with management rollover: ↗ Capital Access
Maximum leverage on a sub-$5M US ecommerce target: ↗ SBA 7(a)
Competing bidders, exclusivity window under 45 days: ↗ FLEX
Real-estate-heavy US target with owner-occupied property: ↗ SBA 7(a)
Traditional US operating business above $10M: ↗ Capital Access

What sets our
financing apart.

Six ways we support your acquisition.

Our approach

Most lenders show up after the LOI is signed. We're typically working with our clients from the beginning of their search. We evaluate every target through a lender's lens and help structure the LOI so the offer aligns with the financing from day one. By the time an offer is on the table, the financing path is already mapped — which is why our deals close faster and with fewer surprises.

50+ lending partner relationships

One-size-fits-all is the lending industry default. It's not ours. We match your deal to the right partners across community and regional banks, institutional term lenders, private credit funds, unitranche shops, and mezzanine providers. Better fit, better flexibility, better terms.

98% approval rate

The industry average across banks and non-bank lenders is 62%. The gap isn't luck, it's discipline. We vet every deal heavily on the front end, so by the time a file reaches underwriting it's already built to fund. No surprises, no disappointed buyers.

Faster loan approvals

Our approval process is built for speed. While most lenders still rely on manual handoffs, paper-heavy workflows, and underwriting queues measured in weeks, we've streamlined ours with technology that moves the file forward at every step. The result is faster decisions, faster approvals, and a closing timeline that doesn't get held up by an outdated lending process.

Deal structure built to close

Most LOIs fall apart because the structure was written without the financing in mind. Ours don't. We help our clients build offers where every component — seller notes, rolled equity, earnouts, and working capital — is sized to the target's actual cash flow. The result is fewer re-trades, fewer seller walk-aways, and deals that hold together all the way to close.

Post-acquisition assistance

The work doesn't end when the wire clears. We help our clients secure post-close working capital, lines of credit, and growth financing as the business needs it. And because no new owner should go it alone, we connect you with our network of trusted business advisors who specialize in helping operators grow businesses like the one you just bought. The closing is the beginning — we're here for what comes next.

Questions we
hear often.

How much equity do I need to buy a business?

Equity requirements typically range from 10% to 40%, depending on the financing program and the specifics of the transaction.

After signing a Letter of Intent, how long does it take to close?

Timelines vary by program, but transactions can close in as little as 45 days.

Can seller financing count toward my equity requirement?

In most cases, yes. However, buyers are required to contribute some level of personal equity in all transactions.

Is a personal guarantee required?

In most cases, yes, a personal guarantee is required as part of the financing structure.

What credit score is needed to qualify for acquisition financing?

Most lenders prefer a credit score of 660 or higher, though approval depends on the overall borrower profile, including liquidity, experience, and the strength of the business.

What can cause a business not to qualify for financing?

Common factors include insufficient cash flow on tax returns, foreign-based operations, declining year-over-year revenue, and high customer concentration.

Related
services.

M&A Advisory

Thesis, valuation, negotiation, LoI. We sit on the buy-side through diligence and close, the quiet work that turns a decent target into a financeable deal.

Explore advisory ↗

Buy-Side Search

Proprietary sourcing for ecommerce, SaaS, digital, and traditional businesses. We find business acquisition opportunities that are typically not visible in the marketplace.

Explore search ↗

Serious buyers get
prequalified first.

Know your budget, financing options, and competitive position before you start searching.