Business Acquisition Finance
Funding to purchase an existing business. We help buyers access finance for business acquisitions including goodwill, stock, equipment, and working capital — structured to get your deal done.
Key Features
Goodwill Funding
Finance that includes intangible business value and goodwill — the hardest component to fund
Stock & Equipment
Funding for inventory, plant, vehicles, and business assets included in the sale
Working Capital
Additional funds to operate the business post-acquisition and cover transition costs
Vendor Finance
Structuring deals with vendor finance, earn-outs, and deferred payment components
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial 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, operational systems, and brand recognition already in place — reducing the risk compared to a greenfield startup.
However, financing a business acquisition can be complex. The purchase price typically includes tangible assets (stock, equipment, fit-out) and intangible value (goodwill, customer relationships, brand). Many mainstream lenders struggle to value goodwill and may require substantial deposits or refuse to fund the intangible component entirely.
We work with lenders across bank, non-bank, and private panels who understand business acquisitions and can structure finance that covers the full purchase — including goodwill. For a comprehensive overview of the acquisition process, see our guide to buying a business with finance.
What We Can Finance
Business acquisition finance can cover the entire purchase price: goodwill (the intangible business value above net assets), physical assets and equipment, stock and inventory, leasehold improvements and fit-out, and working capital needed to operate the business after settlement.
Goodwill is often the largest and most challenging component to finance. Lenders assess goodwill based on maintainable earnings, industry multiples, customer concentration, and the sustainability of cash flow. Our guide to goodwill funding explains how lenders value and fund this component in detail.
We can also help structure deals that include vendor finance — where the seller provides part of the funding through deferred payments or earn-outs. This reduces the amount you need to borrow from external sources and can signal the seller’s confidence in the business.
What Lenders Look For in an Acquisition
Lenders assessing a business acquisition will focus on several key areas: the historical financial performance of the business (typically 2-3 years of financials), your relevant industry experience and management capability, the strength and diversity of the customer base, the security structure available, and a credible business plan for the post-acquisition period.
A clean set of financials, low customer concentration, recurring revenue, and strong margins all work in your favour. Lenders will also want to understand why the business is being sold and whether there are any risks tied to the outgoing owner — particularly where personal goodwill is a significant portion of the value.
How We Structure Your Deal
Every business acquisition is different, and the finance structure needs to reflect the specifics of your deal. We start with a no-cost feasibility assessment to understand the business, the purchase terms, and your financial position. From there, we build financial models and projections to lender requirements.
We prepare lender-ready credit papers including 3-way financial models, cash flow projections, and a clear narrative around the acquisition rationale. We then present your deal to the most appropriate lenders — often simultaneously — and manage the entire process through to settlement. Our process is explained in detail on our how we work page.
Security Structures for Business Acquisitions
Business acquisition finance can be secured against a range of assets: commercial or residential property, the business assets themselves (plant, equipment, stock), a general security agreement (GSA) over the business, and personal guarantees from the borrower.
The security mix depends on the lender, the loan size, and the nature of the business. Property-secured deals typically attract better rates and higher loan-to-value ratios. Where property is not available, asset-backed and cash flow-based structures may be used — often at higher rates but with faster approvals.
Why Use a Specialist Broker for Acquisition Finance
Business acquisition finance sits at the intersection of commercial lending, business valuation, and deal structuring. A mainstream bank relationship manager may not have the experience or product range to handle a complex acquisition — particularly where goodwill is a significant component.
As a specialist broker, we understand how different lenders assess acquisitions, which lenders fund goodwill (and to what multiple), and how to present your deal in the strongest possible light. We also move quickly — critical when you are working to a contract timeline with deposit conditions and settlement dates.
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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