Business Acquisition Advisory
Get Your Business Purchase Funded — The Right Way
Most buyers approach their bank directly and get knocked back. We build your complete acquisition finance application — credit paper, risk mitigants, cash flow models — and work alongside your accountant and solicitor to get your deal across the line.
Why Banks Reject Direct Applications
Most buyers go straight to their bank — and most get knocked back. The problem is rarely the deal. It's the application.
No Formal Credit Paper
Banks require a structured risk memorandum — not just a loan application form. Most buyers submit raw financials with no narrative, leaving credit analysts to draw their own (often wrong) conclusions.
Inaccurate Cash Flow Modelling
Lenders need future trading projections built using their assumptions and stress-tested at different scenarios. Buyer-prepared models are routinely rejected for missing the format lenders expect.
Unaddressed Risk Factors
Every acquisition has risks — customer concentration, owner dependency, lease terms, margin pressure. Banks expect documented mitigants for each. Most direct applications ignore this entirely.
Wrong Lender for the Deal
Not every lender funds every deal type. Approaching the wrong institution wastes weeks and leaves a footprint on your credit file. Matching deal structure to lender appetite is critical.
What We Do
We act as the bridge between you and the bank — packaging your acquisition exactly the way lenders need to see it.
Credit Paper Preparation
We write the full credit memorandum — business overview, industry context, management profile, financial analysis, and deal rationale — structured exactly as bank credit committees expect to receive it.
Cash Flow Modelling
We build accurate forward trading projections using assumptions lenders will accept, including sensitivity analysis and debt serviceability calculations that demonstrate the deal stacks up.
Risk & Mitigants Documentation
We identify every risk the lender will raise — and document a clear, credible response to each. This is the difference between a conditional approval and an outright decline.
Deal Structuring
We determine the optimal loan type, security package, repayment terms, and covenant structure. Where appropriate, we incorporate vendor finance to reduce the deposit required.
Professional Team Coordination
We work directly alongside your accountant and solicitor — coordinating financial statements, due diligence findings, and legal documentation so the application package is complete and consistent.
Lender Selection & Submission
We match your deal to the right lender based on deal type, security, and transaction size — then manage the submission, respond to queries, and negotiate through to formal approval.
Our Fee Structure
Upfront Engagement Fee
A small fee to commence work — covering initial review, deal assessment, and the beginning of credit paper preparation. Discussed and agreed before any work begins.
Success Fee on Settlement
The majority of our fee is paid only when your acquisition settles. We win when you win — our interests are fully aligned with getting your deal done.
All fees are discussed transparently at the initial consultation before any engagement is confirmed. No surprises.
Who This Is For
We work with SME buyers across Australia, including:
Already Have a Business in Mind?
Tell us about the target business and your situation. We will assess the deal and tell you upfront whether the finance is achievable.
How We Work With You
A structured process from first conversation to settlement.
Free Consultation
We discuss your target business, your financial position, and the timeline. We assess feasibility upfront so you know where you stand before committing further.
Preliminary Assessment
We review the target business financials, identify any structural issues, and determine the right approach — loan type, security requirements, and realistic funding quantum.
Credit Paper Preparation
We write the complete credit memorandum — business background, financial analysis, management profile, market context, and deal rationale — ready for lender submission.
Cash Flow Modelling
We build the forward trading model using lender-accepted assumptions, stress-test at conservative scenarios, and demonstrate debt serviceability under the proposed structure.
Deal Structuring
We finalise loan structure, security package, and repayment terms. We work with your accountant and solicitor to ensure the structure is commercially and legally sound.
Lender Selection & Submission
We select the right lender for your deal and manage the submission — responding to lender queries, providing additional information, and negotiating conditions.
Approval & Settlement
Once approved, we coordinate with your solicitor and accountant to meet all conditions and settle the transaction on time.
Frequently Asked Questions
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Detailed information on funding structures and loan options for business acquisitions.
Ready to Get Your Acquisition Funded?
Book a no-obligation consultation. We will assess your deal and tell you exactly how we can help.