73% of business buyers need external financing to complete a purchase. Business acquisition loans in Dayton provide the capital to buy an established company, from manufacturing operations near Moraine's industrial corridor to retail franchises in The Greene.
How it works
Business acquisition loans provide the capital necessary to purchase an existing company, franchise, or substantial ownership stake. These loans typically cover 70-90% of the purchase price, with buyers contributing the remainder as a down payment. Burnside Lending Group brokers multiple acquisition financing structures, including SBA 7(a) loans, conventional term loans, seller-financed arrangements, and bridge financing, matching Dayton-area buyers with lenders who understand local market valuations and industry-specific cash flow patterns. The loan is secured by the business assets being acquired, and sometimes by additional collateral or personal guarantees.
Lenders evaluate both the buyer's qualifications and the target business's financial health. Strong candidates typically bring relevant industry experience, a minimum credit score in the mid-600s, and 10-20% of the purchase price as equity. The target business should demonstrate consistent revenue (often two-plus years of tax returns), positive cash flow sufficient to service debt, and clean financial records. Burnside Lending Group works with buyers pursuing everything from small retail shops in downtown Dayton to established manufacturing firms near the I-75 corridor in Vandalia, structuring deals that reflect each company's earning power and the buyer's operational plan.
Acquisition financing serves buyers targeting diverse opportunities across Montgomery County. Entrepreneurs use these funds to purchase turnkey businesses with existing customer bases, acquire franchises in growing sectors like healthcare or food service, buy out retiring partners in family-owned Kettering firms, or consolidate competitors to gain market share. One Fairborn entrepreneur recently used acquisition financing to purchase a long-standing HVAC company, preserving jobs and gaining immediate access to commercial contracts at Wright-Patterson Air Force Base. The flexibility of terms, loan duration, amortization schedule, and prepayment options, shapes whether the deal generates positive cash flow from day one.
How it works
Start by contacting our Beavercreek office at (937) 389-9513 to discuss your acquisition target and financing needs. We'll review the business's financials, assess your qualifications, and identify lenders whose criteria align with your situation. Our team prepares your application package, including business valuation, cash flow projections, and transition plans, and presents it to multiple acquisition financing lenders simultaneously. Because we're a broker, not a lender, we compare terms across programs like SBA 7(a), commercial real estate loans (when real property is included), and hybrid structures, negotiating flexibility on collateral requirements, amortization periods, and covenants. Visit us at 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH or call to start your acquisition financing consultation.
Serving the Dayton area
We know which lenders fund which kinds of Dayton businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
