Get Started

Compare 60 lenders in under 2 minutes

Loan Amount
Credit Score

This won't affect your credit score

Need a Loan to Buy a Business? Consider how we can assist.

Acquiring an ongoing concern can be a highly effective move to expand or diversify another operation, as an investment or as a first move into ownership. When funding is required for such an acquisition, it can involve complexities, depending on the specifics of purchase. As specialists in commercial funding solutions, we assist buyers source and structure the right solutions into a cost-effective package to support long-term objectives.

Business Finance Need a Loan to Buy a Business? Consider how we can assist.
How much do you want to borrow?
Get Free Quote
Credit Score

This won't affect your credit score

business loan Comparison
Compare Our Low Commercial Loan Rates

The funding arrangements required to purchase an ongoing enterprise may require a single funding product or a number of separate types of credit. The rates vary across the selection of credit products and vary from lender to lender. As a guide to our ability to obtain lower interest rates, compare our current rates on our commercial credit portfolio.

Loan Amount Loan Term
Loan Product Interest Rate Monthly Repayment
{{Loan Product}} {{From - Advertised Rate}}
{{Rate Type}}
${{Payment Amount}}
Monthly

Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Calculate Repayments
How To Calculate Repayments on Financing a Commercial Acquisition

While enterprise acquisitions may be complex and involved, calculating repayments across our portfolio of commercial lending is quick and simple. Buyers can use our online calculator to work up estimates on various elements of the purchase separately or as a complete secured or unsecured package.

Finance Calculator

"*" indicates required fields

Payment Frequency
/ Weekly
%
Years
  • No impact on credit score
  • Fast turnaround
In order to provide the best experience, your details are saved on our secure server as you enter them.

Empower Your Commercial Acquisition
Get Comprehensive Commercial Finance Solutions to Buy an Enterprise

To be a profitable and effective decision, acquiring an ongoing enterprise needs to be affected with cost-effective funding that delivers returns over a long term. These types of arrangements can be complex and require specialist expertise such as we provide.

The key factor is securing low interest rates and the right lender. We have access to over 80 banks and non-bank lenders with varying specialties and funding options. Our consultants work closely with clients to understand the full details of the acquisition, the elements in the purchase and determine the right lender and the right solution.

Our track record in the area of funding acquisitions of this nature is testament to the superior expertise of our staff in full understanding the financials of the buyer and matching the funding accordingly.

We work with a great majority of the banks and non-bank lenders currently operating in the Australian lending market. Our industry-level connections with these lenders provides us with excellent channels to communicate and negotiate directly with decision-makers.

Our consultants assist with sourcing the lowest rates, negotiating the terms and structuring the funding to ensure it will work to support the new venture and realise the expected ROI for the buyer.

  • Access to 80+ Banks and Non-Bank Lenders
  • Low Interest Rate Funding
  • Flexible Terms and Conditions
  • Individually Structured Solutions
Access Commercial Loan Options for Business Acquisition.

Explore Financing Options
Financing to Buy an Existing Enterprise

The funding required to purchase an existing enterprise can depend on what is included in the purchase itself and whether all the inclusions are best funded as one or individually. The inclusions may be goodwill, stock, fixtures and fittings, equipment and machinery, vehicles, IT and digital assets such as websites and others.

As interest rates vary across the range of commercial credit products, it may be more cost-effective to obtain separate funding for certain elements, such as the motor vehicles or equipment. The existing enterprise may be accepted as suitable security by our lenders, allowing for a secured funding option to be sourced.

Where the acquisition is for goodwill only, an unsecured funding arrangement may be required. Lenders may approve unsecured commercial funding based on the strength of the cash flow of the operation. This may require an assessment of the trading history and cash flow of the venture being acquired.

When assessing an application where the enterprise is the security, lenders may wish to assess the viability and prospects of the enterprise based on the strength of the cash flow. Documentation of financials for both the buyer and the seller’s venture may form part of the application.

Alternatively, an operator may choose to offer separate property or assets, including another existing operation, as security for the funding.

Individual funding for equipment and vehicles is more straightforward with Chattel Mortgage and Leasing two of our most popular products.

Funding options for the stock may be with a secured product, an unsecured option or as the stock will be on-sold, an overdraft may be a more cost-effective solution.

  • Asset Acquisition Options
  • Goodwill Only Funding
  • Secured Financing Packages
  • Unsecured Funding Solutions

Buyers are welcome to discuss specifics with our consultants and we will prepare a proposal based on our low rate options, sourced from across a large section of the commercial lending market.

Affordable Financing Rates for Sole Traders

Explore Loan Options
Types of Loan Options to Buy an Enterprise with Premises

Where an enterprise is being acquired along with the building premises, a combination of property and commercial credit products may be required. We handle commercial property funding with workable rates and conditions achievable.

Property funding for commercial premises may be structured in a number of ways. We recommend buyers speak with us, even prior to committing to the purchase, to prepare funding options for consideration.

Calculating Interest Rates for Commercial Loans
Get in touch for business finances

Get on the Fast Track
Fast Approvals on Finance to Buy an Enterprise

Where quick approval is required in order to secure the property, we can fast-track the application through our connections. If heading to auction, have funding pre-approved may be essential.

Speak with us to discuss the funding arrangements required and the commence the application process.

Get a free quote.
Request a free finance quote by phone or online

Request a complimentary financing quote.
Acquire a Commercial Financing quote

FAQs
Loan to Buy a Business

The loan options for buying an enterprise can vary depending on what is included in the sale. Some elements of the sale may be separated with different funding to achieve a more cost-effective outcome. Alternatively, buyers may apply for a comprehensive solution which includes goodwill, stock, equipment, fixtures and fittings, digital assets and all other inclusions.

The location of an enterprise being purchased would not affect the type of funding products suited to the acquisition. Where the operation being purchased is being offered as the security for the funding, the location may have an impact on the financing. The location of the operation may impact the risk assessment of the funding application. Lenders may assess the area in regard to the prospects for the operation and hence projected cash flow and the viability of the operation as suitable security.

The goodwill of an operation is not a tangible asset and as such may not be considered as suitable security for a secured funding product. When purchasing an operation as ‘goodwill only’ an unsecured funding product may be suitable. The strength of the cash flow is often considered by lenders when approving unsecured loans. Buyers may also consider a secured option and offer other forms of property or assets as security against the funds.

When purchasing a café, the type of funding most suited may depend on what is included in the purchase. It may include the goodwill, fixtures and fittings, digital assets such as the website and possibly larger items of equipment such as refrigeration, commercial stoves and other items. The type of funding may involve one secured funding package or several smaller credit products individually suited to different items. Effectively splitting the equipment and goodwill into separate funding.

The commercial lending market is extensive with both major banks and non-bank lenders active in the sector. A specialist lender in the area of funding ongoing operation purchases may be sought. Some lenders may specialise in financing specific industries such as hospitality while others may have a broader offering. Buyers may choose to engage a specialist broker to assist with the funding.

When purchasing an operation and the premises, buyers may have a number of options in regard to funding arrangements. Lenders may be in a position to include the entire purchase into one funding package or it may be seen as more cost-effective to split the operation and the premises into two separate contracts. Property funding may be more attractive for the premises and a secured commercial product for the operation.

The security required on commercial financing to purchase an ongoing operation will be subject to lender approval. The operation itself may be considered suitable security. This may be assessed on the strength of the cash flow. Buyers may also consider offering other property or assets as collateral for the funding.

Where a purchase of an operation is an initial venture, the personal credit history and financial position of the buyer would usually be assessment in the application approval process. The strength of the cash flow of the existing delivery operation would form an integral part of the approval process. Should both be considered acceptable, a secured commercial financing product may suit the acquisition.

When purchasing an operation with vehicles under current financing arrangements, the current leasing entity would need to finalise the funding contract prior to purchase. The buyer could then take on a new funding arrangement for the vehicles. Where transferring a current vehicle lease to another party is requested, buyers should engage the advice of a specialist in commercial motor vehicle lending.

Yes. When purchasing an ongoing concern with strong cash flow, the buyer may put up the operation as security against the funding for a secured commercial product. Acceptance of security as suitable would be subject to lender approval.

Our Lenders
Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific
Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific