BUSINESS ACQUISITION FINANCING
Finance the next chapter of an established business.
An acquisition begins with the operating business: its earnings, the buyer’s experience, purchase structure, and transition plan. TriPoint brings those factors into a personal conversation before considering an experienced SBA lending team whose appetite may fit.
The business—and the transaction—come first.
Acquisition financing may support the purchase of an established operating business or a qualifying ownership buyout, subject to the lender’s review and current SBA rules. An asset purchase and an ownership-interest purchase can present different documentation and closing questions. The proposed use of funds may include an eligible purchase price and other qualifying transaction costs; the lender decides which costs can be financed. Describe what is being acquired, who is buying, and whether the seller or an existing partner will remain involved. Financing should be evaluated against the actual transaction rather than a generic promise of acquisition funding.
Prepare for the questions that shape lender fit.
Expect discussion of historical earnings, cash flow, customer concentration, industry, buyer experience, available equity, and the proposed purchase price. A valuation, seller financing, existing debt, lease arrangements, and working-capital needs may affect the structure. The transition plan matters: who will operate the business, how key employees and customer relationships will be retained, and what changes are expected after closing. An agreed purchase price or signed letter of intent does not establish financing eligibility. Timelines should allow for the lender’s diligence, documentation, and any required third-party reviews.
Start a focused preliminary conversation.
Share the broad business type, location, approximate purchase price, transaction stage, timing, and your role as buyer or advisor. TriPoint can discuss the opportunity, clarify financing needs, and consider potential lending-team fit. No sensitive financial files are requested through the public form. When appropriate, required information is requested through secure instructions. The lender independently determines eligibility, reviews the acquisition and repayment ability, sets equity and other requirements, makes credit decisions, and manages closing. A preliminary review or introduction is not an application, approval, commitment, or financing offer.