An existing business
Take over an established operation.
Business acquisition finance
Buying a business?
Get the funding structure right.
Finance for an established business, a franchise or a partner buyout. We assess earnings, your experience and available security to help structure suitable funding.
Initial funding discussion · Clear next steps · Sydney-based advisers
What are you buying?
Funding for your next business move.
A business to expand
Grow through a complementary acquisition.
A partner’s share
Buy out a partner or shareholder.
A franchise or practice
Purchase a franchise or professional practice.
Beyond the purchase price
Leave room to run the business.
Settlement is the start. Stock, transaction costs and the first weeks of trading need to be covered too.
Purchase price+Stock adjustments+Transaction costs+Working capital−Buyer contribution=Funding requirement
Check what the agreed price already includes so stock or other costs are not counted twice. The required funding may be split across more than one facility and is not necessarily the amount a lender will approve.
Lender-ready preparation
Six things we assess.
Sustainable earnings
What the business can repay after realistic operating costs, owner remuneration and existing commitments.
Your contribution
Available cash or equity, transaction costs and the cash reserve left after settlement.
Your experience
Your industry background, management capability and plan for taking over the business.
Price and goodwill
What is included in the sale and the evidence supporting the price, including goodwill.
Security and guarantees
Available property or business assets, proposed guarantees and what you would be committing.
Business continuity
Lease terms, licences, key staff, major customers and the seller’s handover arrangements.
The funding mix
One purchase. Different ways to fund it.
We investigate the options that fit your transaction. A combination may work better than putting every cost into one loan.
The BYRONS perspective
Finance that fits the broader business picture.
As part of BYRONS’ accounting and advisory group, we understand that acquisition funding needs to work alongside the business’s financial performance, purchase structure and ongoing cash flow.
We coordinate the finance with your accountant and solicitor. Where appropriate, we can introduce BYRONS advisers for separately scoped due diligence or tax advice.
Lender approval is not a substitute for independent financial and legal due diligence.
Before you apply
Your questions, answered.
How much deposit or contribution will I need?
There is no single percentage for every business purchase. It depends on earnings, industry, price, security, your experience and the lender’s policy. We assess both your contribution to the purchase and the reserve needed to operate afterwards.
Can I buy a business without property security?
Potentially. Suitable cash-flow, goodwill or specialist lending may be available for some transactions. Strong earnings do not automatically mean approval, and business security or personal guarantees may still be required.
Can the business’s profits support the loan?
Lenders may consider the target business’s sustainable earnings, supported by historical financials and current trading. We examine owner wages, proposed changes, existing debt and realistic forecasts. Seller-stated profit or projected growth alone may not be accepted.
Can goodwill be financed?
Potentially, where a lender accepts the industry, valuation and earnings profile. Goodwill is assessed differently from property or equipment, so it can affect the required contribution, loan term and security.
Can I finance a partner or shareholder buyout?
Potentially. The business’s cash flow, ownership arrangements, price and proposed borrower must fit the lender’s requirements. Your accountant and solicitor should review the transaction and ownership structure alongside the finance.
What documents should I prepare?
Usually the sale information or draft contract, historical financial statements and tax records, current management accounts or BAS, a breakdown of the price and stock, lease details, your experience and evidence of your contribution. Forecasts, a business plan and existing debt details may also be required. We tailor the checklist to the transaction.
Can vendor finance form part of the purchase?
It may be possible if the seller agrees and the other lender accepts the arrangement. Repayment timing, security ranking and total debt commitments must work together.
When should I speak to a broker?
Ideally when you have a target business or a realistic purchase budget, before making an unconditional commitment. Early assessment helps identify the funding gap and documents needed. Ask your solicitor about appropriate finance and due-diligence conditions.
See how the funding can fit
An illustrative business scenario.
Your next step
Tell us about the business you want to buy.
Share the basics. We’ll respond within 1 full business day to discuss the funding pathway and what we need to assess it.
You don’t need all the answers yet. We’ll request contracts and financial documents securely after the initial enquiry.
(02) 8377 9006Fees may apply to business and complex lending. Any applicable broker fees will be explained before you proceed.