SBA Acquisition Guide · Business Purchase Financing
Planning to acquire a restaurant, café, dry cleaner, gas station, franchise or another U.S. business? GLOBAL X helps you explore financing based on the transaction, proposed funding structure, and buyer qualifications.
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Restaurants, Cafés and Donut Shops
Consider financing for acquiring existing food-service businesses and franchises.
Dry Cleaners, Beauty Supply and Retail
Review purchase price, equipment and working capital needs.
Service Businesses and Other Small Companies
Evaluate operating history, customer base, leases and business cash flow.
Business and Property Purchase
Financing can differ when commercial real estate is purchased with the operating business.
Key Considerations for SBA Business Acquisitions
Down Payment: Some eligible acquisitions may permit an equity injection of approximately 10%, but not every buyer or transaction qualifies. Current SBA requirements, deal structure and lender underwriting determine the actual amount.
Collateral and Personal Guarantees: Lack of real estate collateral does not automatically exclude all acquisition loans. Business collateral, personal guarantees or other requirements may still apply.
Documents to Prepare: Purchase terms, financial statements, business tax returns, buyer experience and financial standing, and lease documents may be requested.
Locations Served: Inquiries are welcome from California, Texas, Georgia, New York, New Jersey and other U.S. markets. Program availability varies by lender and jurisdiction.
Frequently Asked Questions
Can I purchase a business with 10% down?
Some eligible SBA acquisition transactions may allow this. Requirements depend on the cash flow, transaction terms, credit, equity sources and lender review.
What if the business has limited tax returns?
Supplemental financial and cash-flow documents may be needed. Approval or alternative program availability cannot be guaranteed.
Can I request guidance before making an offer?
Yes. Share the purchase price, expected down payment, industry and location. An initial consultation is not a loan approval or preapproval.
Can I request a consultation even if another bank denied my loan?
Yes. Each bank has different underwriting criteria. We can review your situation and explore possible financing options with other lenders. Approval may still be possible, depending on the lender’s requirements and review.
Considering a Business Purchase?
Tell us the business type, location, purchase price and estimated equity to start an initial financing conversation.
Request SBA Financing Consultation