Business acquisition financing

Financing for the business you want to buy.

Describe the purchase once, and Emberline Capital takes it to lenders that finance business acquisitions, SBA 7(a) lenders included. The buying entity does not need to exist yet.

  • Apply without an entity name or EIN
  • Early conversations and signed letters of intent both qualify
  • Reviewing your options is free
Step 1 of 5 · approximately 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 part is about you. We already have your name and contact details.

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 prequalify. Most buyers form the entity after the LOI, and the lender asks for it before closing.

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 are buying on its actual results. These are the two documents they always ask for.

Attach what you have. Nothing here holds up your prequalification. You can add the rest later in your secure application.

Supporting documents

The CIM, the LOI, bank statements, equipment lists, licences and anything else you already have on the business you are 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.

    Your acquisition application is with Emberline Capital's lending partners. Your secure portal is next: the rest of the application continues there, and lender responses arrive there as they come in.

    The whole purchase in one application.

    Price, down payment, seller note and the business itself go into one file, which is placed with lenders that write SBA 7(a) and conventional acquisition loans.

    A soft pull to start

    What the purchase can support is checked with a soft credit pull, so your personal and business credit stay untouched.

    Options side by side

    SBA and conventional offers arrive together and can be compared on rate, term and down payment.

    Seller financing included

    Seller notes, standby debt and earnouts are part of the capital structure from the first review.

    From letter of intent to closing.

    The portal shows where the file stands and what each lender is asking for.

    1. 1

      Apply

      Describe the purchase in one application, free and without obligation.

    2. 2

      Match

      The deal goes to lenders that finance acquisitions of this size.

    3. 3

      Compare

      Rate, amortization, down payment and guaranty terms are shown side by side.

    4. 4

      Close

      The lender you choose funds at closing along with your equity and any seller note.

    5. 5

      Take over

      You step into the business with working capital lined up for the first months.

    An Emberline Capital acquisition application and the lender offers it returns

    Set up for buyers.

    Each request follows the way the purchase will close, from the letter of intent to the day the loan funds.

    Terms worth comparing

    Rates, terms and equity requirements are laid out so your cash goes as far as possible.

    Answers before diligence ends

    Knowing early what lenders will fund lets underwriting run alongside your due diligence.

    Lenders who know SBA 7(a)

    The program’s 10% equity injection, standby seller notes and owner-operator rule are familiar ground for them.

    Know what you can borrow before you sign.

    Apply with the real numbers, compare the offers and negotiate the purchase knowing what a lender will fund.

    Apply now Back to home
    • Up to $5MSBA 7(a) loan limit
    • 10% downTypical SBA equity injection
    • Soft pullTo review your options