Business Acquisition
Explore financing strategies for business acquisitions, with the structure matched to cash flow, assets, transaction purpose and timing.
Financing Starts With the Business Model
CMCC reviews the financing objective in the context of the company's cash flow, collateral, operating cycle, ownership and transaction structure. Industry labels help frame the review, but they do not replace underwriting.
- Acquisition and ownership transition
- Working capital and liquidity
- Equipment and vehicles
- Owner-occupied or investment real estate where applicable
- Debt restructuring and expansion
Have a Business Acquisition scenario?
Send CMCC the non-sensitive facts and objective. We will identify the information needed for a proper initial review.
Request a Review →Business Acquisitions: What Funding Sources Typically Look At
Acquisition financing is evaluated on whether the target's cash flow can carry the new debt after closing, how much equity the buyer contributes and how well the transition is planned. The price, the quality of the seller's records and the buyer's industry experience all shape which structures are realistic.
Common Financing Uses
- Buying an established business or franchise resale
- Partner or shareholder buyouts
- Add-on acquisitions by an existing owner
- Combining lender financing with seller financing and buyer equity
Documentation Typically Requested
Letter of intent or purchase agreement, the seller's recent financial statements, and the buyer's background and financial information. Tax returns are exchanged only through secure instructions.
Illustrative Scenario
A buyer weighing a $1,000,000 purchase might compare the cash flow available for debt service with the payment on the proposed financing before making an offer.
Hypothetical example for illustration only. It is not a CMCC client, a prediction or an approval.
Financing paths and guides
Related industries
Match the Capital to the Business Need
The right structure depends on what the business is financing, how repayment is supported, the available collateral and the timing of the transaction.
SBA Financing
See how this financing path may fit the transaction.
EXPLORE →Commercial Lending
See how this financing path may fit the transaction.
EXPLORE →Business Acquisition Guide
See how this financing path may fit the transaction.
EXPLORE →Ready to discuss a real Business Acquisition request?
Start with a non-sensitive review or move directly to the commercial financing application.