How can I finance a business acquisition in Florida?

TAMBAY Mergers & Acquisitions connects buyers with SBA lenders and financing partners in Tampa Bay. Whether you are a first-time buyer or experienced acquirer, we help you navigate SBA 7(a) loans, seller financing, and conventional acquisition loans.

What is seller financing and how does it work?

Seller financing is when the seller agrees to accept a portion of the purchase price over time directly from the buyer, often used to bridge gaps between the loan amount and sale price. It signals seller confidence and can make deals more attractive to lenders.

Financing | TAMBAY Mergers & Acquisitions

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Tom Brubaker - Managing M&A Broker

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13902 N Dale Mabry Hwy STE 102
Tampa, FL 33618

SBA 7(a) Loans – The Most Powerful Tool for Business Buyers

The Small Business Administration’s (SBA) 7(a) Loan Program is the most common and accessible way to finance a business purchase.

Key Benefits of SBA 7(a) Loans:

✔️ Up to 90% financing of the business purchase price
✔️ Can include working capital, equipment, and build-out expenses
✔️ Repayment terms up to 10 years
✔️ Competitive interest rates

These loans are government-backed, making them more attractive to lenders and more accessible to buyers without perfect credit or deep pockets.

Eligibility Requirements:

U.S. citizenship or legal residency
Strong personal credit
A down payment (typically 10–20%)
The business must have verifiable financials and a proven history of profitability

⚠️ The SBA 7(a) is not designed for startups. It’s strictly for acquiring established businesses with documented income.

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How TAMBAY Helps Buyers Secure Financing

We’re not just here to introduce you to listings – we help you get funded and get closed.

Financing a business acquisition is often the most complex and overlooked piece of the puzzle. Whether you’re a first-time buyer or a seasoned entrepreneur, securing funding requires careful preparation, strategic positioning, and the right lending partners.

At TAMBAY Mergers, our team of experienced business brokers helps buyers across Florida navigate financing options, qualify for funding, and close deals with confidence. We work with trusted lenders, CPAs, and SBA-preferred partners to streamline the process from start to finish.

What We Offer:

Pre-screened lenders who specialize in business acquisitions
Help preparing SBA loan packages and required documentation
Valuation reports that support the business’s asking price
Coaching on how to present your background and business plan to lenders
Deal structuring to meet SBA and bank guidelines

We also advise sellers on how to prepare their business to be SBA-lender-ready, which can make your financing process smoother from the start.

Seller Financing – Another Valuable Option

Many deals involve some level of seller financing, where the seller carries a portion of the purchase price as a loan to you.

Why Seller Financing Matters:

Builds trust between buyer and seller
Reduces the need for outside capital
Allows flexible terms not bound by banking regulations
We help negotiate terms that work for both parties – often combining SBA loans with seller notes to bridge the funding gap and get the deal done.

Work With Lenders Who Understand Business Acquisitions

Smart Strategies to Fund Your Next Venture

Most banks don’t specialize in business purchases – which is why many good buyers still get rejected. Our team partners with lenders who understand the risks and rewards of buying a business in Florida, and we connect you directly to those with high approval rates for SBA and conventional loans.

📩 Thinking about financing your business acquisition? Let our team walk you through your options and introduce you to the right funding partners.

Get Funded. Buy Smart. Grow Fast.

Buying a business is a big move – but with the right financing structure, it can also be the most profitable decision you’ll ever make.

The TAMBAY Mergers team is here to:
✔️ Help you prepare your financial profile
✔️ Connect you with the best lenders for your deal
✔️ Support you through due diligence and closing

📞 Let’s talk financing. Whether you’re early in your search or already eyeing a specific business, we’re here to help you close the deal with confidence.