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Financing the Purchase of a Business

Understanding Your Financing Options Before You Buy

Buying a business does not always require the buyer to fund the entire purchase with cash. Depending on the business, the buyer's financial profile, the transaction structure, and lender requirements, an acquisition may be financed through options such as SBA-backed lending, conventional business financing, seller financing, or a combination of sources.

Lobo Business Sales LLC helps prospective buyers take the next step by collecting basic information about their financing needs and, when appropriate, connecting them with a qualified third-party financing provider.

Our goal is to make the introduction easier so buyers can discuss their circumstances directly with a financing professional and determine which financing options may be available for their particular transaction.

What We Can Help With

We can collect information such as:

  • The type and size of business you are considering purchasing
  • Your anticipated purchase price
  • Available cash or equity contribution
  • Your financing needs
  • Relevant business and financial information
  • Your preferred timing for an acquisition

After reviewing the information provided, we may introduce you to an appropriate third-party financing provider by mutual email introduction.

Important Disclosure

Lobo Business Sales LLC is not a lender, bank, mortgage broker, or financial institution, and does not make or approve loans. We do not guarantee financing approval, loan terms, interest rates, loan amounts, or the availability of any particular financing program.

Any financing discussion, application, underwriting, approval, loan terms, and lending decision are handled solely by the independent third-party financing provider. Buyers should conduct their own due diligence and consult directly with the financing provider regarding eligibility, terms, costs, and requirements.

Referral Disclosure: Lobo Business Sales LLC may receive a referral fee or other compensation from a financing provider if a referred buyer obtains financing. This compensation does not change the lender's underwriting decision or guarantee that financing will be approved.

Information submitted through this page is used to facilitate a potential financing introduction and does not constitute a loan application or a commitment to provide financing.

Ready to Explore Financing?

Provide some basic information about your acquisition and financing needs. If appropriate, we'll make an introduction to a financing professional who can discuss your options directly with you.

Search Businesses for Sale.

Businesses Currently Available That May Qualify for SBA Financing.

Many of the businesses represented by Lobo Business Sales LLC and our co-broker networks, may qualify for SBA acquisition financing depending on the buyer’s qualifications and lender approval.

View Business for Sale
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The Common Ways Buyers Finance a Business Purchase.

Most business acquisitions involve a combination of financing sources.

Rarely does a buyer pay entirely in cash.

The most common financing structures include:

• SBA loans  
• Seller financing  
• Conventional bank loans  
• Rollover for Business Startups (ROBS) retirement funding  
• Investor capital or partnerships

The structure of the financing depends on the size of the business, the buyer’s financial position, and the lender’s underwriting requirements.

SBA Loans for Buying a Business.

Small Business Administration (SBA) loans are one of the most common ways buyers finance business acquisitions.

These loans are issued by banks and lending institutions but are partially guaranteed by the SBA, which reduces risk for lenders.

Because of this guarantee, SBA loans often allow buyers to purchase a business with a lower down payment compared to traditional commercial loans.

Typical SBA loan characteristics:

• Down payment typically 10–20%
• Loan terms often 10 years
• Competitive interest rates
• Available for many small business acquisitions

Request a Financing Referral

Typical Down Payment Requirements.

The amount of capital required depends on the lender and deal structure.

In many SBA-financed transactions, buyers are expected to contribute approximately 10% to 20% of the purchase price.

For example:

$500,000 business purchase

Buyer investment: $50,000 – $100,000

Remaining balance financed through SBA lending and potentially seller financing.

Request a Financing Referral

How Long SBA Financing Takes.

Most SBA-financed acquisitions take between 45 and 90 days to complete.

The timeline includes:

  • Initial loan application Underwriting review

  • Business financial analysis

  • Loan approval and closing preparation

Request a Financing Referral

Connect With SBA Lending Partners.

If you are considering purchasing a business and want to explore financing options, you may speak with lenders who specialize in SBA business acquisition loans.

These lenders can review your financial profile and help determine what level of acquisition financing may be available to you.
Disclosure: Lobo Business Sales LLC may receive a referral fee from certain lending partners if you choose to work with them.
 
Manufacturing Businesses for Sale-1
SBA Financing for Service Businesses

Specialized lending solutions for established service companies such as HVAC, plumbing, landscaping, healthcare, and other owner-operated businesses with strong cash flow and operating history.

>> Request Financing Here

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Financing for Restaurants and Bars

Funding options designed for full-service restaurants, bars, cafés, and hospitality businesses. Lenders experienced with food service operations and industry-specific financial structures.

>> Request Financing Here

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Lending for Digital and Online Businesses

Financing programs for digital companies including SaaS platforms, e-commerce brands, Amazon FBA businesses, Shopify stores, and other technology-driven operations with recurring revenue.

>> Request Financing Here

Manufacturing Businesses for Sale
Financing for Manufacturing Companies

Loan programs designed for manufacturing and production businesses, including companies with specialized equipment, supply chains, and established commercial client relationships.

>> Request Financing Here

Manufacturing Businesses for Sale-2
Commercial Real Estate Business Financing

Financing options for businesses that include commercial real estate as part of the transaction, such as warehouses, industrial properties, retail locations, or mixed-use business facilities.

>> Request Financing Here

Manufacturing Businesses for Sale-3
Business Acquisition Refinancing

Solutions for business owners seeking to refinance existing business debt, restructure financing, or improve loan terms following a completed acquisition or ownership transition.

>> Request Financing Here

Financing a Business Purchase in the Tampa Bay Area

Many business acquisitions in Florida are financed through SBA-backed loans or other structured financing solutions. Buyers exploring the purchase of an established company often begin by researching how business acquisition financing works before making an offer.

In many cases, lenders review the financial performance of the business being acquired along with the buyer’s financial profile. The goal is to determine whether the business generates enough cash flow to support loan repayment while still providing income for the new owner.

Entrepreneurs searching for businesses for sale in the Tampa Bay region—including Hillsborough, Pasco, Pinellas, and Hernando counties—frequently work with lenders who specialize in financing small business acquisitions. These lenders understand the underwriting process for established businesses and can often help buyers determine what level of acquisition financing may be available.

Working with experienced advisors, lenders, and transaction professionals can help buyers better understand financing structures, evaluate potential opportunities, and navigate the process of purchasing an established business.

Many buyers are surprised to learn that purchasing an established business can sometimes require less capital than starting one from scratch, especially when financing options such as SBA-backed loans and structured seller financing are available.

Lobo Business Sales LLC works with entrepreneurs and business owners throughout the Tampa Bay region, including Hillsborough, Pasco, Pinellas, and Hernando counties.

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Meet your Professional Business Broker in Tampa

Dave Britton, CBI

Licensed Business Broker | Certified Business Intermediary

Serving Tampa, FL (Hillsborough, Pasco, Pinellas, Hernando, Polk)

Founder, Lobo Business Sales LLC 

(813) 395-9552

Dave Britton is a Certified Business Intermediary (CBI) and founder of Lobo Business Sales LLC, a Florida business brokerage firm specializing in the sale and acquisition of privately held companies. Based in the Tampa Bay area, Dave works with business owners, buyers, lenders, attorneys, and CPAs to guide transactions from initial valuation through closing.

He focuses primarily on small to lower-middle-market businesses, typically representing companies with enterprise values ranging from approximately $500,000 to $10 million. His work includes business valuation, confidential marketing of businesses for sale, buyer qualification, and coordinating financing structures including SBA-backed acquisitions.

Through Lobo Business Sales LLC, Dave supports entrepreneurs and business owners throughout the Tampa Bay region, including Hillsborough, Pasco, Pinellas, and Hernando counties.