Lenders love seeing 10–20% seller financing because it proves the seller believes the business will remain profitable enough to pay them back. 3. Equity & Personal Capital
To secure any of the above, you need a professional including:
Funding a business acquisition is rarely a single-source endeavor. Most buyers use a "capital stack" that combines personal cash (10–20%), debt financing (70–80%), and seller participation (10–20%). 1. Debt Financing how to get funding to buy an existing business
Best for buyers with high credit scores and businesses with significant physical assets (real estate or equipment) to use as collateral.
Expect to put down at least 10% of your own money to satisfy SBA or bank requirements. Lenders love seeing 10–20% seller financing because it
What is the business in? (e.g., HVAC, SaaS, Retail) Do you have management experience in that specific field?
and P&L statements for the target business. Most buyers use a "capital stack" that combines
Traditional and government-backed loans are the most common funding sources.