Business Acquisition Loan: Fund the Deal Before It Slips
Buying a business, buying out a partner, or closing an acquisition on a hard deadline? Get $10K–$5M based on your bank deposits — not your credit score. Soft pull to check, funded in as little as 24 hours.
Check Your Rate — No Credit ImpactSee how much your business qualifies for
$10K to $5M in business funding — approved on your revenue, funded as fast as 24 hours. All credit 500+. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
Apply Now — Get Funded in 24 Hours
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You found the deal. Now the clock is the problem.
There's a business for sale, a partner ready to cash out, or a seller who wants to close by month-end — and every day you spend chasing financing is a day the deal can fall apart. Maybe another buyer is circling. Maybe the seller is getting cold feet. Maybe your partner just told you they want out and you have 30 days to fund the buyout or lose the whole relationship.
Traditional acquisition lenders don't move at deal speed. An SBA-backed acquisition loan can take 60 to 90 days, wants three years of the target's tax returns, a business valuation, personal collateral, and a credit score most people can't hit. By the time they say yes, the seller has moved on. You don't need a lender who underwrites the last three years. You need one who underwrites your deposits and wires the money before you lose the deal.
How funding a buyout or acquisition works here
- 1. Apply online (soft pull, no score damage). Fill out the application and tell us the deal — buying a business, funding an acquisition, or buying out a partner. Checking your options is a soft pull that does not touch your credit.
- 2. Send 3–6 months of bank statements. We underwrite on the deposits flowing through your business account, not your FICO. FICO 500+ is fine. We're confirming the cash flow that will carry the payment — not grading your credit history.
- 3. Sign and get funded — as fast as 24 hours. Working capital for an acquisition or buyout needs no collateral. Send statements in and sign before early afternoon ET on a weekday and same-day funding is on the table. Friday afternoon means Monday — we won't promise a wire that can't clear.
A real buyout example
A landscaping owner needed to buy out a 40% partner for $85,000 with a 3-week deadline in the operating agreement. Bank wanted a valuation and 60 days. Deposits averaged $60K/month. Approved on statements, funded $85,000 in under 48 hours — partner was paid before the deadline.
$10K to $5M
From a small tuck-in acquisition to a full business purchase or a six-figure partner buyout. The deal size follows your revenue, not a rigid loan grid.
Deposits, not your score
We read your bank statements to see real cash flow. Consistent deposits get you approved even with a bruised credit history. FICO 500+ is welcome.
Built for hard deadlines
Close-or-lose-it timelines are the whole point. We move at the speed of the deal, not the speed of a committee.
Who qualifies
- Operating business with a bank account showing regular deposits (typically 3+ months of history)
- FICO 500+ — approval is driven by deposits, not credit score
- Buying a business, funding an acquisition, or buying out a partner
- No collateral required for working-capital funding
- Soft pull to check — your score is untouched until you decide to move
Straight answers
Can I really get a loan to buy a business without perfect credit?
Yes. Because we underwrite on bank deposits, a low or rebuilding credit score doesn't automatically kill the deal. FICO 500+ qualifies. What matters most is the cash flow the acquired or combined business will generate.
Is this the same as an SBA acquisition loan?
No — and that's the point. SBA loans offer long terms and low rates but take 60–90 days and demand collateral, valuations, and strong credit. This is deposit-based working capital you can close in as little as 24 hours when the deadline won't wait. Different tool for a different clock.
Can I use this to buy out a partner?
Yes. Partner buyout financing is one of the most common deals we fund. If your operating agreement has a hard deadline to pay a departing partner, deposit-based funding lets you hit it without waiting on a bank.
How fast can the money actually be there?
Send statements in and sign before early afternoon ET on a weekday and same-day funding is realistic. Later in the day or Friday afternoon typically means the next business day. We'll tell you the honest timeline for your file — not a fantasy one.
Do I need to pledge collateral for the acquisition?
Not for working-capital funding. We don't require you to put up personal or business assets to buy a business or fund a buyout.
Will checking hurt my credit?
No. Checking your options is a soft pull. Your credit is only affected if you choose to move forward and formally accept an offer.
Don't lose the deal over financing
If there's a deadline on this acquisition or buyout, the worst move is waiting. Check your options with a soft pull, send your statements, and be ready to sign — funding can hit in as little as 24 hours. Apply now and close the deal on time.
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