SBA 7(a) & conventional acquisition financing

Financing for the business you're buying.

Tell us about the deal — not about a company you don't own yet. We match you with lenders who fund acquisitions, then hand you off to a secure application when you're ready.

  • Built for buyers — no company name or EIN needed
  • Works whether you're browsing or already under LOI
  • No credit check to see your options
Step 1 of 5 · about 3 minutes

Start with the deal

Where are you in the process?

SBA 7(a) acquisitions generally need at least 10% down.

Where we send your options
  1. The deal
  2. The business
  3. About you
  4. Documents
  5. Review

The business you're buying

These are the numbers a lender runs the deal on.

Seller's Discretionary Earnings. A lender sizes the loan off this number.

A recent ownership change is underwritten differently.

Real estate

Lenders generally want the lease term plus options to cover at least 10 years.

Entity details
How the deal is structured
Seller carrying a note?

Loan amount neededPrice less your cash and any seller note

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About you

The buyer is underwritten separately from the business. This is your half — we already have your name and how to reach you.

SBA eligibility
U.S. citizen or lawful permanent resident?
Will you run the business full-time?

SBA 7(a) requires an owner-operator.

Your capacity

Cash and marketable securities, before the down payment.

Ownership
Do you have an entity set up for the purchase?

Not required to pre-qualify. Most buyers form the entity after the LOI — your lender needs it before closing, not now.

Will anyone else own 20% or more?

Anyone at 20% or more personally guarantees the loan.

The target's tax returns and financials

Lenders underwrite the business you're buying, not a projection. These are the two things they always ask for.

Attach what you have. Nothing here holds up your pre-qualification — you can add the rest later in your secure application.

Supporting documents

The CIM, the LOI, bank statements, equipment lists, licences — anything else you already have on the business you're buying. No limit on how many.

    PDF, JPG, PNG, Excel or Word, up to 100 MB per file. Bank statements, a personal financial statement and a debt schedule come later in the secure application.

    Review and submit

    Check the numbers. You can go back and change anything.

    Your application is in.

    Next you'll finish in the secure application, where identity and credit verification happen.

    Acquisition financing without the friction.

    One application, checked against the lenders who actually write SBA 7(a) and conventional acquisition loans — so you can spend your time on diligence instead of chasing banks.

    No credit impact

    See what the deal can carry through a soft pull that leaves your personal and business credit untouched.

    One application, every lender

    Describe the deal once and compare SBA and conventional structures from multiple lending partners in one place.

    Built for how deals close

    Seller notes, standby debt and earnouts are part of the structure here, not an exception the lender has to be talked into.

    A clear path from LOI to closing.

    Same as a Bizbe deal: you can see every step and exactly what it needs from you.

    1. 1

      Apply

      One application on the deal, with no fee and no obligation.

    2. 2

      Get matched

      The deal is evaluated against lenders who underwrite acquisitions at this size.

    3. 3

      Compare

      Review real terms — rate, amortization, injection and guaranty — side by side.

    4. 4

      Close

      Your lender funds to escrow and closing alongside your cash and the seller note.

    5. 5

      Take over

      Walk in as the owner, with working capital already in place for the transition.

    Bizbe financing application and lender offer comparison

    Financing built around buyers.

    Options that match how a Main Street acquisition actually runs — from LOI to the closing table.

    Competitive structures

    Compare rates, terms and injection requirements so your cash goes as far as it can.

    Answers on your timeline

    Know where you stand early, so diligence and your lender's underwriting run in parallel instead of in sequence.

    SBA 7(a) fluency

    Lenders who know the program — the 10% injection, standby seller notes, and the full-time owner rule.

    Know what you can borrow before you sign.

    Bring real numbers to the LOI. Apply on the deal, compare your options, and negotiate knowing what a lender will actually fund.

    Apply now Back to home
    • $50K – $5MFunding range
    • SBA + conventionalAcquisition structures
    • Soft pullNo credit impact