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Acquisition & Expansion Financing

Acquisition capital with the transaction in view.

Finance an acquisition or expansion around the purchase, working-capital needs, and repayment plan.

Discuss My Growth Plan
Product Overview
StructureCapital structured around a purchase
Typical useBuying a business or location
RepaymentStructured to the deal
CollateralOften required
How it works

The Deal Stack.

Purchase priceThe agreed transaction value
Buyer contributionEquity you bring to close
Seller financingPortion carried by the seller, when applicable
FinancingThe structure covering the remainder
Working capital at closeCash the business needs on day one

Every layer is sized from the target’s cash flow and add-backs.

Acquisition & expansion

Acquire, Open, or Grow

Capital for buying a business, opening a location, or expanding operations, structured around the transaction and post-close cash flow.

Where the funds can be used

  • Acquire a competitor
  • Acquire a business
  • Open a location
  • Expand territory
  • Add production
  • Hire a team
  • Launch a revenue stream
  • Purchase assets

How the opportunity is reviewed

Growth financing usually involves a clear view of the opportunity and how it will perform. For acquisitions, that means understanding the target's cash flow; for expansion, understanding the investment and expected return.

Acquisition and expansion financing typically involves longer-term underwriting and documentation. We will help you understand what a given path requires.
Payment planning

Buyer Contribution & Seller Note.

Enter the amount, annual rate, and repayment term to calculate the scheduled payment.

Payment Calculator
Monthly payment
$0

Enter an amount, annual rate, and term.

Calculated from your inputs. Excludes fees and any balloon payment; actual financing terms are set in the written offer.

Underwriting focus

Target Cash Flow & Add-Backs.

Not every factor applies to every request, but these are the areas that commonly shape a decision.

Revenue & cash flowHow consistently money moves through the business.
Operating historyTime in business and track record.
Existing obligationsCurrent financing and debt service load.
Credit profileBusiness, and where applicable personal, credit.
CollateralAvailable assets or equity, where the structure uses them.
Use of fundsWhat the capital is for and how it supports the business.
Banking activityDeposits, account activity, and recent business statements.
IndustryThe business model and the industry it operates in.

Typical situations

  • Acquiring an existing business
  • Buying out a partner
  • Opening or acquiring a new location
  • Funding a defined expansion
Potential advantages
  • Capital sized around the target's performance
  • Can combine with SBA or other structures
  • Supports a defined growth move
Important considerations
  • Target cash flow and history matter
  • Buyer experience and contribution are reviewed
  • Valuation and documentation are more involved
When another structure may fit

Acquisitions often use SBA or term structures. The right path depends on the target, the price, and your contribution and experience.

Keep exploring

Related financing solutions

SBA & Long-Term Financing

Often the structure for business acquisitions with longer amortization.

Explore

Business Term Loan

When a conventional term structure fits the transaction.

Explore

Commercial Real Estate

When real property is part of the purchase.

Explore
Before you apply

Prepare the Transaction File

  • LOI or purchase agreement
  • Buyer contribution available at close
  • Target's financials and add-backs
  • Working capital needed at close and transition plan
Related acquisition paths
SBA / Long-Term Term Financing
FAQ

Frequently Asked Questions

Yes. Capital can be structured around acquiring a business or opening a new location, subject to underwriting.
The target business, the deal structure, your experience and contribution, and financials, among other factors.
Often acquisitions use SBA or term structures. The right path depends on the target, the price, and your profile, and we can help you compare.
Relevant experience is commonly part of the review, along with the target business performance and your contribution, though requirements vary by structure.

Have a question about your business? Start a financing request and our team will follow up.

LIVC Business Intelligence

Review the terms behind the decision.

Product structures, repayment considerations, and dated policy updates in one place.

View relevant research

Start your acquisition request.

Provide the target business, purchase price, available financials, and the capital required to complete the transaction.

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