Typical uses
- Buying an existing business
- Purchasing a franchise
- Expanding current operations by acquiring a competitor
Business acquisition loan for small businesses
A business acquisition loan lets you purchase a franchise or existing business, giving you access to existing customer relationships and revenue streams.
Requesting a quote has no impact on your Credit Score.
What is a business
acquisition loan?
A business acquisition loan provides funding to purchase an existing business whether—it's the assets, operations, or client base. It's a strategic way for entrepreneurs or companies to expand by acquiring business with an established market presence.
This type of financing is designed to support immediate scalability, giving you access to existing customer relationships and revenue streams. Repayment terms are often flexible and align with the business’s cash flow, making them a viable option for those with proven profitability and growth potential.
More about business acquisition loans
Eligible assets
Common industries
- Hospitality
- Retail
- Healthcare
- Trades
- Accounting firms
- Legal practices
- Franchises
- Real estate
- Tech and SaaS
Eligibility
You may be eligible for a business acquisition loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Get a quote
Requesting a quote has no impact on your credit score.
The benefits of business acquisition loans
Acquire an established business.
Skip the early-stage risks and start with existing operations, revenue, and reputation.
Support growth and diversification.
It's a good opportunity to expand into new markets or services.
Gain an existing customer base.
Quickly tap into existing demand without having to build an audience from scratch.
Finance both purchase and setup costs.
Loans often cover the acquisition price, plus initial working capital and transition expenses.
Acquire an established business.
Skip the early-stage risks and start with existing operations, revenue, and reputation.
Support growth and diversification.
It's a good opportunity to expand into new markets or services.
Gain an existing customer base.
Quickly tap into existing demand without having to build an audience from scratch.
Finance both purchase and setup costs.
Loans often cover the acquisition price, plus initial working capital and transition expenses.
Acquire an established business.
Skip the early-stage risks and start with existing operations, revenue, and reputation.
Support growth and diversification.
It's a good opportunity to expand into new markets or services.
Gain an existing customer base.
Quickly tap into existing demand without having to build an audience from scratch.
Finance both purchase and setup costs.
Loans often cover the acquisition price, plus initial working capital and transition expenses.
Things to consider before applying
Potential drawbacks to be aware of
- You may need to provide significant collateral.
- There's a risk of overpaying if the business isn’t accurately valued.
- The approval process can be complex and may take longer than other loan types.
Questions to ask yourself
- Have I conducted thorough due diligence on the business I’m planning to acquire?
- Is the business profitable, and does it show strong growth potential?
- Will the loan repayments align with the business’s projected cash flow?
At a glance
MAXIMUM LOAN AMOUNT
Variable
MINIMUM LOAN AMOUNT
Variable
SPEED
Slow
INTEREST RATE
MAXIMUM LOAN TERM
MINIMUM LOAN TERM
Requesting a quote has no impact on your Credit Score.
Potential lenders
How to apply for a business acquisition loan
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
What sets us apart
DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
You’ll need to interpret lender jargon and fine print yourself
How we help fuel your business growth
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
Learn more about business acquisition loans
FAQ's
What is a business acquisition loan?
What business acquisition loan requirements should I be aware of?
Do you need collateral for a business acquisition loan?
Can I get a loan to buy a business with existing debt?
Hear from our clients
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Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
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