Build total sources and uses
Include purchase price, fees, transaction costs, working capital and any real estate or equipment needs.
GUIDE & CHECKLIST
Business Acquisition Financing Guide
Acquisition financing should cover the purchase and enough liquidity to operate after closing.
Why this matters
Acquisition funding must cover more than the purchase price. The buyer needs a supportable repayment plan and enough liquidity to operate after closing.
Work through the details
Validate cash flow
Review target and buyer financials, customer concentration, adjustments and a realistic post-closing plan.
Align the capital stack
Document buyer equity, seller note terms, senior debt and any contingencies in the purchase agreement.
Preparation checklist
- Purchase terms, valuation and sources and uses
- Buyer and seller financials and tax returns
- Working capital needed after closing
- Seller note, equity and transition plan
Questions that can slow a request
Working capital gap
Closing with too little operating cash can strain an otherwise sound deal.
Unsupported earnings
Aggressive adjustments or a transition plan without evidence can weaken lender confidence.
How Alliance helps
You do not want to close a purchase and immediately face a cash shortage. Alliance builds the full acquisition budget, tests post-closing liquidity and repayment, and presents the transition plan to suitable sources. You can compare financing choices against the needs of the business after closing.
Related financing needs
Business Acquisition
You have found a business worth buying. Financing should account for the purchase and the cash needed to operate afterward. Alliance helps you evaluate the full acquisition funding need.
Explore ↗Working Capital
Growing sales should not leave you struggling to cover payroll, inventory, or everyday expenses. Explore working capital financing aligned with when your business pays out cash and collects it.
Explore ↗Keep learning
Understanding Global Cash Flow ↗Understanding Commercial Loan Term Sheets ↗How commercial financing works ↗
Educational guidance only. Requirements and calculations depend on the lender, program and transaction; this is not an approval or a lender-specific checklist.
LET’S TALK
Want to discuss your financing request?
Alliance can help identify the questions and documents that matter for your situation.