Business Acquisition Loans in Kent, WA

Business acquisition loans fund the purchase of an operating company, its tangible assets, goodwill, inventory, and customer contracts. SBA 7(a) acquisition financing is the most common product because it permits up to 90% loan-to-value on purchases under $5 million and allows seller financing to fill part of the buyer's equity gap. Conventional acquisition loan programs require larger down payments but close faster when the target business shows two years of positive EBITDA. Bridge loan for business acquisition structures work when you need interim capital before permanent financing settles, common in Kent's industrial-corridor deals where equipment and real estate close on different timelines.

You can apply acquisition funds to buy a manufacturing shop along 84th Avenue South, a franchise quick-service restaurant near the Kent Station transit hub, or a service contractor with an established Pierce County route list. The loan pays the seller at closing; you repay the lender from the acquired company's operating cash flow.

We start with your letter of intent and the seller's trailing financials, then shop your package to SBA 7(a) preferred lenders, regional banks, and private acquisition lenders who close in Kent. Our documentation-made-simple process organizes your personal financial statement, business plan, and purchase agreement into the format each lender expects, so underwriting moves without repeated requests. Because we are a broker, we present multiple term sheets and explain which structure best fits your post-closing working-capital needs.

A typical timeline runs 45-75 days from application to funding. We coordinate third-party valuation, environmental Phase I reports if real property is included, and UCC lien searches. You'll sign at a title company or attorney's office; funds wire to escrow the same day.