Business Acquisition Finance
Funding to purchase an existing business. We help buyers access finance for business acquisitions including goodwill, stock, and working capital.
Key Features
Goodwill Funding
Finance that includes intangible business value and goodwill
Stock & Equipment
Funding for inventory and business assets included in the sale
Working Capital
Additional funds to operate the business post-acquisition
Vendor Finance
Structuring deals with vendor finance components
Business Acquisition Finance Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Health Food Business Acquires Premises
The Scenario
Self-employed business owners operating a health food manufacturing company for 20+ years wanted to purchase their leased premises from the landlord.
The Challenge
Most lenders would only offer 70% LVR on commercial property, requiring a substantial deposit the owners did not have readily available.
The Solution
A specialist lender was identified willing to extend to 80% LVR based on the strong trading history and long-term lease arrangement, with a 15-year term and 5-year interest-only period.
The Outcome
The owners now pay approximately $2,000 less per month in loan repayments compared to their previous rent, freeing up cash flow for business growth.
$1M
Loan Amount
80%
LVR Achieved
$2,000
Monthly Savings
SMSF Industrial Property Purchase
The Scenario
A husband and wife with approximately $400,000 in their self-managed super fund wanted to diversify into commercial property.
The Challenge
Finding a lender that accepts commercial property security within an SMSF structure while meeting the strict 25% contribution requirements.
The Solution
A specialist SMSF lender comfortable with industrial property was sourced, with the loan structured to maximise the fund's purchasing power.
The Outcome
The couple successfully purchased an industrial property with loan repayments coming in lower than the rental income, boosting their super returns.
$400K
SMSF Balance
Industrial
Property Type
Positive
Cash Flow
Working Capital for Established Business
The Scenario
A NSW-based packaging company with nearly 50 years of trading history required working capital to fund a major contract.
The Challenge
The business needed quick access to funds without disrupting existing banking relationships or providing personal property as security.
The Solution
A short-term commercial facility was arranged, secured against business assets with a 3-month term at 65% LVR.
The Outcome
The business secured the working capital within 2 weeks, fulfilled the contract, and repaid the facility on time.
$910K
Facility Size
3 months
Term
65%
LVR
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
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Home Loan
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Investment Property
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Start ApplicationFinance for Business Purchases
Buying an existing business is often a faster path to business ownership than starting from scratch. An established business comes with customers, cash flow, and operational systems already in place.
However, financing a business acquisition can be challenging. Banks often struggle to value goodwill and may require substantial deposits. We work with lenders who understand business acquisitions and can structure appropriate finance.
What We Can Finance
Business acquisition finance can cover the purchase price including goodwill, physical assets, stock, and working capital needed to operate the business after settlement.
We can also help structure deals that include vendor finance, where the seller provides part of the funding, reducing the amount you need to borrow from external sources.
The Acquisition Process
A successful business acquisition requires thorough due diligence, appropriate valuation, and well-structured finance. We can introduce you to business brokers, accountants, and lawyers who specialise in business sales.
Our role is to ensure you have access to competitive finance that allows you to complete the acquisition and have sufficient working capital to operate successfully.
Discuss Your Business Acquisition Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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