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A business acquisition loan provides the capital to purchase an existing company, buy into a partnership, or acquire additional locations. At F.G. Howell, we use SBA 7(a), bank term loans, and select non-bank options to structure financing around the real cash flow of the business being acquired — not just a simple scorecard.
Acquire a proven business with established revenue, staff, and customers instead of starting from scratch.
Restructure ownership, settle buyouts, and keep the business stable with thoughtful financing.
Expand into new markets by acquiring complementary businesses or folding in competitors.
Acquisition financing makes the most sense when there is a track record of revenue, reasonable profitability, and a clear plan for post-closing operations. We look at both the business being acquired and the buyer’s overall financial picture, then match the deal with the right structure.
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Often the best fit when you want longer terms, lower payments, and are comfortable with SBA requirements.
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Useful when timing is tight, collateral is strong, or the business profile doesn’t align with SBA guidelines.
Best when the property is a major part of value and you want long-term fixed or hybrid rates.
Get StartedA good acquisition loan is more than just rate and term. We help balance price, equity, seller participation, and working capital so the business can actually perform after closing.
Our role is to surface these issues early so they don’t derail underwriting later.
Typical Loan Amount: $250,000–$3,000,000+
Term Length: up to 10 years
Equity: usually 10%–20% total project cost
Best for: Acquiring a profitable business with stable cash flow and a clear transition plan.
Notes:
May include seller notes, working capital, and limited equipment or leasehold improvements.
Typical Loan Amount: $750,000–$7,000,000+
Term Length: up to 25 years on the real estate portion
Equity: often 10%–20% combined
Best for: Owner-operators acquiring the company plus the property it occupies.
Notes:
Frequently uses a blended structure with SBA 7(a), SBA 504, or conventional CRE financing.
Typical Loan Amount: $250,000–$3,000,000+
Term Length: up to 10 years
Equity: combination of buyer cash and seller concessions
Best for: Restructuring ownership without destabilizing operations or draining working capital.
Notes:
Careful attention is given to post-closing cash flow and remaining management depth.
Actual terms depend on lender, industry, collateral, buyer profile, and overall risk. We help you understand the realistic range before you invest time in full underwriting.
Estimate a ballpark monthly payment for your business acquisition based on loan amount, rate, and term.
This is an estimate only, not a commitment to lend.
This calculator does not include SBA guarantee fees, closing costs, or seller note payments.
We’ll review full numbers with you during pre-qualification.
Ready to see how this could look for your deal?
Exact requirements vary by lender and program, but most business acquisitions follow a similar pattern.
We keep the early intake light, then build a full package when there is a clear path to approval.
Buying a business is a major move. We help you avoid blind spots and keep the process manageable from first conversation through closing.
Share basic deal details, the business profile, and your background. We give a candid view of what looks realistic.
We discuss price, equity, seller notes, and working capital needs, then map out likely program options.
We gather documents, build a clean file, and present the deal to targeted lenders instead of spraying applications.
We help you navigate conditions, compare offers, and keep the transaction moving toward a controlled closing.
Whether you’re buying your first company or expanding an existing platform, a short conversation can clarify your realistic options and timeline. F.G. Howell acts as your advocate from first review through funding.
Start Acquisition AssessmentMany lenders will consider acquisition loans from around $250,000 up to $5,000,000 or more, depending on cash flow, industry, and overall risk. We help you target a range that matches both the business and your profile.
Most acquisitions require at least 10%–20% total equity. This can come from buyer cash, investor capital, and in some cases properly structured seller notes. We’ll walk through realistic scenarios for your deal.
Yes, many structures include additional working capital so the business is not starved for cash after closing. The amount will depend on the program, risk profile, and lender appetite.
Lenders generally prefer relevant or transferable experience, but it doesn’t always have to be in the exact same niche. A strong transition plan, good management team, and solid financials can help offset gaps.
Not always. While SBA 7(a) is a powerful tool, there are cases where a conventional loan, asset-based facility, or staged acquisition structure makes more sense. Our job is to recommend what fits, not force every deal into one program.
We live in acquisition, expansion, and buyout financing every day, not just “general business loans.”
We bring SBA, bank, and non-bank options to the table so you’re not stuck with one set of rules.
We focus on structures that support cash flow and transition, not just the highest possible approval amount.
We stay in the middle of the conversation with you, the seller, and the lender so nothing gets lost.
We consider how this acquisition sets you up for future growth, refinancing, or additional locations.