Commercial Finance
Acquisition Finance for Buying a Business
Funding to buy a company, acquire a competitor, buy out a shareholder or complete a management buyout. We structure the debt around the target’s cash flow and the deal you have actually agreed.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Structure the Deal Before You Price the Debt
Buying a business is rarely funded from one source. A typical structure blends a term loan against the target’s profitability, asset-backed lending against property or plant, an invoice facility against the ledger, and often deferred consideration agreed with the seller.
Lenders are underwriting the business after the deal, not before it. What matters is the sustainability of earnings, the strength of the management team going forward, customer concentration, and whether the debt service leaves the company room to breathe.
Our founder has bought and run businesses, which changes the nature of these conversations. We will discuss the deal itself — the earn-out, the working capital position at completion, what happens if the seller stays on — not just the loan sitting on top of it.
Explore Your Finance Options
Deals We Fund
We regularly arrange funding for:
- Trade acquisitions and competitor buy-ins
- Management buyouts (MBO) and buy-ins (MBI)
- Partner and shareholder exits or share buy-backs
- Buying the freehold of premises alongside the trading business
- Bolt-on acquisitions for existing groups
- Refinancing acquisition debt once the business is settled
What This Means for You
A structure, not a single loan
Blending term debt, asset finance and working capital usually raises more, and costs less, than a single facility.
Credibility with the seller
Funding indications in hand make you a serious buyer, which matters when a vendor is choosing between offers.
Deal-aware advice
We flag the practical issues — completion accounts, working capital pegs, warranties — that affect fundability.
Room to run the business
We structure repayments so the company can still invest after completion, rather than servicing debt at the expense of growth.
Frequently Asked Questions
How much deposit or equity do I need to buy a business?
Most lenders expect the buyer to contribute somewhere between 20% and 50% of the price, though a strong asset base, property in the deal, or deferred consideration from the seller can reduce the cash needed at completion considerably. We will model the realistic gap early, before you commit to a price.
Can I use the target company’s assets as security?
Yes — this is standard. Property, plant, vehicles and the sales ledger of the business being acquired can all support the funding, provided the structure is set up correctly and the directors take proper legal advice on financial assistance rules.
How long does acquisition funding take to arrange?
Typically six to twelve weeks from heads of terms to completion, running alongside due diligence and legals. The pace is usually set by information flow from the seller rather than the lender, so getting three years of accounts, management figures and the customer profile early makes a real difference.
Discuss Your Funding Requirements
Send us the headline deal terms and the target’s last two years of accounts — we will tell you what is fundable and how it should be structured.