SBA 7(a) acquisition loans
For eligible U.S. business purchases, SBA 7(a) financing may cover acquisition costs and related business needs. The lender reviews eligibility, repayment ability and the proposed structure.
Business acquisition financing
Trifecta Business Group
Financing to buy a business
One advisor matches your file to one lending desk that fits the deal, with a clear view of what the buyer and the business need to provide.
Commercial financing only · No hard credit pull to explore your options
The purchase structure
How business purchases are usually financed
The right structure depends on what you’re buying and how the business earns its income. Lenders set down-payment and other requirements. SBA programs apply to eligible U.S. businesses; Canadian transactions use different programs.
Seller financing alongside a loan
A seller may agree to receive part of the price over time. The lending desk must review the seller note and how its payments, priority and terms fit alongside the loan.
Conventional term loans
A conventional business term loan may fit an acquisition supported by documented cash flow and an acceptable buyer profile. The lender sets down-payment, collateral and other requirements.
Equipment or real estate, separately
When equipment or commercial property is part of the deal, financing those assets separately may be appropriate. Your advisor helps clarify the structure for the lending desk’s review.
The underwriting view
What lenders look at
- The business’s recent tax returns and cash flow
- The buyer’s industry or management experience
- The signed LOI or purchase agreement
- The buyer’s personal financial statement and credit
- How the purchase price compares to the business’s earnings
One advisor. One lending desk.
The process
- 01
Talk through the deal
A short call about the purchase, the buyer’s plans and the target closing date. The target date helps us plan; it is not a promised funding date.
- 02
Send the basics
Business tax returns, interim financials, bank statements, the signed LOI or purchase agreement, and the buyer’s personal financial statement.
- 03
Match one lending desk
We match the file to one lending desk that fits the deal and tell you exactly what it needs. The file is never sold.
- 04
Stay updated through closing
We keep the buyer updated through closing. We share status with their broker only when the buyer gives permission.
Document checklist
The basics for an acquisition review
Gather what you have for the first review. The lender sets documentation, down-payment and other requirements; additional items may be requested during underwriting.
Send sensitive documents only through the secure document room, not in introduction notes.
- Recent business tax returns
- Interim financial statements
- Recent business bank statements
- Signed letter of intent (LOI) or purchase agreement
- Buyer’s personal financial statement
- Purchase-price breakdown and buyer’s relevant experience
Are you the broker?
A clear process for introducing your commercial buyer, with permission-based updates.
Frequently asked questions
A clearer path to the next step
Can I use an SBA loan to buy a business?
An SBA 7(a) loan may finance the purchase of an eligible existing U.S. business. The lender reviews the buyer, the business’s cash flow and the transaction structure against program requirements. Eligibility does not mean approval; your advisor explains the documentation needed.
Do I need a down payment?
A buyer contribution may be required. The lender sets the down-payment and other requirements based on the program, the business and the transaction structure. Discuss your available funds early so the advisor can review the deal without assuming a particular contribution will be accepted.
Can the seller finance part of the price?
Seller financing can sometimes sit alongside an acquisition loan, subject to the lender’s approval and program rules. The seller note’s repayment schedule, priority and other terms matter. Share the proposed seller arrangement before finalizing it so the lending desk can assess the structure.
What if my bank already said no?
A bank’s decision may reflect its particular program or the way the transaction was presented. It does not establish what another lending desk will decide. Share the reason for the decline so we can review the file; approval and terms still depend on underwriting.
Review the decline with Translate-IQ →Does exploring options affect my credit?
There is no hard credit pull to explore your options. That initial conversation is separate from a formal loan application. If a lending desk needs a credit check later, its requirements and authorization process will be explained before you choose to proceed.
Can equipment or property be financed separately?
Equipment or commercial real estate included in a purchase may need separate financing, depending on the assets and acquisition structure. The lending desk reviews how the obligations work together. Separate facilities are not automatically available, and their terms must fit the overall transaction.
Ready to talk through the purchase?
Start with your business and contact details. No hard credit pull to explore your options.
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