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.
About
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.
Typical uses
- Renovating your business premises
- Moving to a new location
- Buying inventory
- Hiring and paying employees
- Buying equipment
- Increasing working capital
- Covering marketing costs
- Making tax payments
Eligibility
You may be eligible for a Business acquisition loan if your business:
0 of 3 ready. Tick what you already have.
Specific criteria can vary between lenders and products.
Requesting a quote has no impact on your credit score.
- Buying an existing business
- Purchasing a franchise
- Expanding current operations by acquiring a competitor
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.
Why it works
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.
- 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?
- 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.
Getting started
How to apply for a business acquisition loan
Step 1: Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2: Get approved
Confirm your quote and we'll manage the application with your lender, so you can focus on running your business.
Step 3: Get funded
Sign your finance documentation and receive funding. It is that simple.
Requesting a quote has no impact on your credit score.
Awarded and sorted
Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
Our panel
95+ business lenders
in your back pocket
- All lenders
- Equipment
- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
- Construction
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
Related articles
View all
FAQs
How long does it take to get a business acquisition loan?
Business acquisition loan timeframes vary widely, from a few days to a couple of months, depending on the lender and what’s involved in the purchase. We work with 95+ lenders, so we can look for one that fits your deal and timeline.
Can I get a loan to buy a business with existing debt?
Although it is possible, it is considerably harder. Because it is a riskier move, lenders may ask for additional collateral, a larger deposit, or a stronger financial profile.
Do you need collateral for a business acquisition loan?
You may need collateral to get a business loan to purchase a business. This could be property, equipment, or other valuable assets.
What business acquisition loan requirements should I be aware of?
Every business acquisition lender has different requirements, and each application form will have its own set of questions. For business acquisition loans, you may need to present a business plan, financials of both businesses, good credit history, and strong existing or projected cash flow from target business.
Additionally, you can expect to provide business registration details, tax and cash flow statements, and balance sheet—as is the case with most business loans.
What is a business acquisition loan?
A business acquisition loan provides funding to purchase an existing business. It is tailored to help business owners achieve immediate scalability and leverage the established customer base and revenue streams of the acquired company.