Business Acquisition Loans

Business Acquisition Debt Placement

Business Acquisition Loans

A business acquisition loan is not “financing a purchase.” It is underwriting a cash-flow engine and a control package that survives stress.

Financely operates as a transaction-led debt placement desk. We structure acquisition financing requests, build lender-ready packages, and route qualified deals to matching capital providers.

If you have a target, an LOI, or real financials, this page explains how acquisition loans are sized, how terms are set, and what you need to get to a lender decision.

What Acquisition Lenders Actually Underwrite

Cash Flow And Coverage

  • Historical earnings, not projections
  • Defensible add-backs with support
  • Debt service coverage that survives stress

Continuity And Control

  • Seller transition and management depth
  • Customer and supplier concentration
  • Controls over cash, inventory, or receivables where relevant

Shortcut thinking kills approvals: if your package is missing documents, reconciliation, or a clean sources and uses, the lender will not “work it out with you.” It will be a quick decline.

Common Acquisition Loan Structures

Collateral And Security Package Basics

Most acquisition lenders require a control package. In many deals, the baseline is an all-asset lien plus lender protections and reporting. If you want the detail, see All-Asset Lien Packages In Acquisition Loans Explained.

What You Need To Submit For Debt Placement

Transaction Inputs

  • Purchase price and structure
  • LOI or draft purchase terms if available
  • Sources and uses

Underwriting Inputs

  • 3 years financials or tax returns
  • Interim financials
  • Debt schedule and add-back support

Our packaging approach follows an underwriting memo discipline. See Trade Finance Underwriting Memo for the standard of clarity capital providers respond to.

Where Financely Fits

Financely is not a bank and not a direct lender. We run a structured placement process that produces lender outcomes: term sheets or written declines. For how the desk operates, see What We Do.

Submit Your Acquisition For Debt Placement

If you have a target business and real financials, submit your deal. We will assess feasibility, package the request, and route it to matching capital lanes.

FAQ

Can I buy a business with low collateral?

Sometimes. The lender still needs repayment capacity and a control package. Many approvals hinge on DSCR and clean documentation, not just hard assets.

How much equity do lenders typically require?

It depends on business quality, leverage, and lender lane. Many deals include buyer equity plus a seller note to support the stack.

Do you work on success fee only?

No. Packaging and placement require upfront work, diligence, and controlled outreach. We operate on defined scope and paid engagement terms.

Do you guarantee approval?

No. We structure and place. Outcomes depend on lender criteria, diligence, and definitive documentation.

Important: This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank, not a broker-dealer, and not a direct lender. Any engagement and any introduction process is subject to diligence, KYB, KYC, AML, sanctions screening, capital provider criteria, and definitive documentation. Financely does not promise approvals or funding.

If you want lender attention, show up like a credit file. Clean financials, clear ownership, realistic leverage, and a structure that can be documented.