Business Acquisition Loans — Buy an Existing Business
Buying an existing business is one of the fastest paths to entrepreneurship. With established revenue, customers, and operations already in place, you skip the startup phase entirely. 3A Lending provides acquisition financing with up to 90% loan-to-value, giving you a clear path to business ownership.
What Business Acquisition Financing Covers
How SBA Acquisition Loans Work
The SBA 7(a) program is the most common vehicle for business acquisitions. It allows buyers to finance up to 90% of the purchase price, with just 10% down from the buyer. The SBA guarantee reduces risk for lenders, making it possible to finance acquisitions that banks might otherwise decline.
For larger deals involving commercial real estate, a combination of SBA 7(a) and 504 loans can be structured to maximize financing and minimize out-of-pocket costs. 3A Lending specializes in structuring these multi-program deals to get the best terms for buyers.
What Lenders Look For in Acquisition Deals
Why Buy Instead of Start?
Ready to Buy a Business?
Whether you've found the perfect business or are just exploring options, we can help you understand your financing.