Money for part of the price, paid back from the business’s profits.
Good for a clear deal01 · Where you are
Sometimes the fastest way
to grow is to buy.
Sound familiar?
A competitor is sellingBuying them gets you their customers and staff overnight.
Your partner wants outYou want to buy their share and keep the business going.
A supplier is for saleOwning it could save you money and give you more control.
You want to own a businessYou found one that’s already running and making money.
02 · When is the right time?
A loan isn’t always the answer.
Here’s when it makes sense.
✓ Good times to do it
The business makes steady moneyWhy: Lenders like a business with a good track record of profit.
You know the industryWhy: Knowing the business well makes lenders more confident.
You have some money to put inWhy: Putting in your own money shows you’re serious.
The price makes senseWhy: If the price matches what the business earns, it’s easier to fund.
✕ Maybe wait if…
The numbers aren’t clearWhy: Get the financials checked first. Surprises after buying are costly.
You’d be stretched too thinWhy: Taking on a new business and big debt at once can be a lot.
The deal isn’t agreed yetWhy: It’s fine to talk to us early, but lenders need a firm price and terms.
Not sure which one you are? We’ll look at it with you, for free.
03 · How it works
Three steps to
the deal.
- 1Tell us about the deal
What you’re buying, the price, and what you can put in.
Businesses1 - 2We find the money
We find a lender and can combine it with seller terms if that helps.
Businesses1 - 3The deal is done
The purchase settles. Two businesses, now one bigger one.
Businesses1 bigger ✓SIGNED
04 · Your options
Pick the way
that fits you.
The seller lets you pay some of the price later, and a lender covers the rest.
Good if the seller is flexibleThe business’s equipment or property backs the loan.
Good if it owns a lotWhat lenders will ask about
Details of the business and the price✓
Its financials for the last couple of years✓
How much of your own money is going in✓
Your experience in the industry✓
The sale agreement, once you have it✓
Every lender is a bit different. We’ll tell you exactly what yours needs.
Good to know
Get your accountant and lawyer to check the business before you buy.
Lenders look closely at the profit of the business you’re buying.
A seller who lets you pay some of the price later can make it easier.
We’ll show you the full cost before you commit.
05 · Let’s do it
Tell us your plan.
New job No credit check
Business finance only. ABN required.
…two become one.
Questions people ask.
How much of the price can a lender cover?
It depends on the business and how much it earns. We’ll give you a realistic idea early.
Can I buy out my business partner?
Yes. Buying out a partner is a common reason for this kind of loan.
What does a lender check?
Mostly the profit of the business you’re buying, and your experience.
Can the seller help fund it?
Sometimes. A seller can let you pay part of the price later.
Can I use it to buy a house?
No. This is only for buying a business, through an ABN.