Business acquisition & expansion finance.

Explore funding to purchase another operating business, acquire a competitor or expand into a new market or location.

COMMERCIAL FINANCE LOANS ✳

Planning a $1M+ commercial funding requirement?

Consider how this product fits your wider business plan, cash flow and other genuine finance needs. Product limits and approval criteria vary; the $250M upper range is for qualifying major transactions, not all products.

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EXPLAINED IN PLAIN ENGLISH

How this finance could work.

Acquisition funding is assessed against the target business, the buyer, purchase structure and projected cash flow. It might combine an acquisition loan with property security, seller finance or working capital, depending on circumstances.

Buy rather than build

A successful business may wish to acquire a competitor to expand its customer base, staff, intellectual property or geographic presence. Finance may help fund the purchase price while preserving capital for integration and trading.

The lender looks at the transaction

Valuations, trading results, due diligence, purchase agreements, buyer experience and the combined group’s ability to service debt can all matter. A lender may also consider assets, commercial property or other security.

Working capital after settlement

The acquisition price is not the only consideration. Additional funding may be needed for wages, inventory, equipment, branding, systems or the transition period. Multiple facilities can sometimes serve different purposes.

PUT THE FUNDS TO WORK

What could your business do next?

Purchase an existing business
Acquire a competitor or customer portfolio
Expand to an additional location
Fund business succession or a buyout
Purchase assets of an established company
Support integration costs after acquisition

QUESTIONS ANSWERED

Before you enquire.

Practical answers to common questions about business acquisition & expansion finance.

Can I borrow to buy another business?

Potentially. Specialist commercial and acquisition finance may support qualifying transactions, depending on business performance, price, experience and security.

Do I need to have a signed sale agreement first?

An initial discussion can happen earlier. Formal assessment may require a contract, financial records and due diligence material.

Can I also fund staff and integration costs?

Some funding structures can include eligible working-capital needs alongside the acquisition, subject to lender assessment.

What if I am buying a business with existing loans?

The purchase agreement and finance structure must address the target’s liabilities and any security. An adviser and lender should review the proposed arrangement.

How long does acquisition finance take?

Complex transactions usually require more information than a straightforward equipment loan. Timing depends on valuations, due diligence, conditions and lender approval.

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