Non-SBA Business Acquisition Loans

We arrange non-SBA business acquisition loans for serious buyers who want higher leverage, cleaner structures, and a process that matches the speed of their deal. Acting as your debt advisor and arranger, we structure and place unitranche or senior plus mezzanine facilities with banks, private credit funds, and specialist lenders, with leverage up to 85% LTV where the numbers support it.


  • Finance up to 85% LTV
    Unitranche or senior plus mezz, sized on EBITDA and cash flow.
  • Escape SBA caps and restrictions
    Fund larger tickets, more flexible structures, and complex buyouts.
  • Credit story and lender pack done for you
    We build the model, memo, and lender pack around your deal.
  • Terms shaped around your plan
    Structure covenants, amortisation, and seller paper so the business can carry the debt.


85% LTV

Target leverage on qualified non-SBA business acquisition deals.

45 days

Typical timeline from signed mandate to funding for prepared buyers.

80+ lenders

Banks and private credit funds in our active acquisition debt network.

Indicative Term Sheet

Indicative only. Subject to KYC and AML clearance, lender approvals, satisfactory due diligence, executed documentation, and applicable lending and securities laws. Financely acts as debt advisor. Where legally required, transactions are executed through our regulated broker dealer sponsor and partners.
Key Terms
Purpose and Eligible Deals
  • Use of funds: acquisition of established operating businesses through share purchase or asset purchase structures.
  • Business profile: profitable targets with positive EBITDA, clear cash conversion, and realistic growth assumptions.
  • Buyer types: search funds, independent sponsors, management teams, corporate buyers, and family offices.
Jurisdictions and Size
  • Locations: target companies based in the USA, Canada, and EEA member states.
  • Deal focus: control acquisitions and majority recapitalisations in the lower mid market and mid market.
  • Sizing: enterprise value and facility size assessed on a deal by deal basis, with reference to sector, cash flow, collateral, and sponsor profile.
Capital Structure and LTV
  • Facility types: unitranche facilities or a combination of senior term debt and mezzanine acquisition debt.
  • Security package: share pledge over the target, all assets security where available, and sponsor guarantees as required by lenders.
  • Leverage: indicative loan to value up to 85 percent on qualified transactions, based on cash flow, sector risk, and sponsor quality.
Tenor, Repayment, and Covenants
  • Tenor: typical facility life from 2 to 7 years, subject to jurisdiction and structure.
  • Repayment: amortising or partially amortising profile with a potential bullet, aligned to free cash flow after capex and taxes.
  • Covenants: focus on leverage, interest cover, fixed charge cover, and minimum liquidity, calibrated to the acquisition plan.
Pricing and Fees
  • Pricing: set by lenders in line with market for risk, currency, ranking, and capital structure.
  • RFQ fee: USD 500 request for quote fee, credited against our advisory fee when we proceed on the same transaction.
  • Advisory fee: USD 5,000 flat per deal for structuring, credit pack, and lender process management.
  • Success fee: 2.5 percent of funded debt, payable at completion, plus any lender, legal, tax, and third party costs.
Process and Conditions
  • Role: Financely acts as debt advisor and arranger on a best efforts basis, running a targeted process with suitable lenders.
  • Execution: where regulation requires, financings are executed through our broker dealer sponsor and regulated partners.
  • Conditions precedent: full KYC and AML, acceptable diligence, final credit approvals, and signed documentation in agreed form.

Request Indicative Non SBA Terms

Share your LOI or APA, financials, and sponsor profile to receive a tailored view on non SBA acquisition debt.

Request A Quote

© Financely | Trade and Project Finance Advisory

Want a same-day structured view on your non-SBA options?

Share your LOI or APA, last three years of financials plus current management accounts, a short sponsor profile, and your intended equity contribution. We will tell you plainly whether up to 85% LTV is realistic for your transaction, outline the likely debt structure (unitranche or senior plus mezzanine), and set a clear path to a committed lender term sheet.

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