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Financing Your Business Acquisition in Florida
Smart Strategies to Fund Your Next Venture
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.
Lender Requirements: It’s More Than Just Your Credit Score
When applying for a business acquisition loan, lenders don’t just look at credit. They evaluate:
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Industry experience – Lenders prefer buyers with prior business ownership or direct experience in the industry they’re entering
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Personal collateral – You may be required to collateralize assets like real estate or vehicles if the business has few tangible assets
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Business financials – The company’s cash flow must meet or exceed a Debt Service Coverage Ratio (DSCR) of 1.2x, meaning the business earns at least 1.2 times its debt obligations
If that ratio is new to you, don’t worry. Our team can break it down and help ensure the business you’re acquiring meets lender benchmarks.
Common Challenges with Traditional Business Financing
Many buyers are surprised at how difficult it can be to obtain a conventional bank loan. Even with strong credit, lenders often reject applications if:
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You lack industry-specific experience
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The business doesn’t have recurring revenue or clean financials
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Collateral is insufficient or hard to liquidate
This is where working with a qualified Florida business broker becomes essential. We help you position your experience and the business’s value in a way that builds trust with lenders.
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:
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U.S. citizenship or legal residency
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Strong personal credit
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A down payment (typically 10–20%)
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The business must have verifiable financials and a proven history of profitability
🔗 Related Resource: SBA 7(a) Loan Details – U.S. Small Business Administration
⚠️ The SBA 7(a) is not designed for startups. It’s strictly for acquiring established businesses with documented income.
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:
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Pre-screened lenders who specialize in business acquisitions
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Help preparing SBA loan packages and required documentation
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Valuation reports that support the business’s asking price
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Coaching on how to present your background and business plan to lenders
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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:
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Builds trust between buyer and seller
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Reduces the need for outside capital
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Allows flexible terms not bound by banking regulations
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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.