Structured around the deal
We combine business-loan, asset and property facilities around the acquisition structure.
108 reviews 5.0
Business acquisition finance that fits.
Make your next business move with a clear plan. We’ll explore our 80+ lender panel for suitable acquisition finance and help coordinate the application.
- Established business purchase options
- Purchase structure and security reviewed
- Support from enquiry to settlement
What have you got planned?
Let’s help you fund it.
If you're buying your way to growth, we can usually structure it. Common deals include:
Buying an existing business outright
Acquiring a competitor or bolt on
Management buy ins and buy outs
Purchasing a franchise or new territory
Buying a book of clients or contracts
Partner and shareholder buy outs
Acquiring premises alongside the business
Funding earn outs and vendor terms
What the funding can be used for
The purpose and timing of the business acquisition finance requirement help determine the amount, repayment period and facility type that may fit.
- asset purchase
- business purchase
- goodwill
- stock
- working capital
- vendor payout
- transition costs
How the finance can be structured
These terms describe how business acquisition finance can be accessed and repaid. We explain which features apply to each compared option.
- senior debt
- vendor finance
- buyer contribution
- earn-out
- asset security
- property security
Documents that show the business can repay it
These records connect recent trading and existing commitments with the cash expected to meet the business acquisition finance repayments.
- sale agreement
- historical financials
- management accounts
- due diligence
- valuation
- buyer resume
- working-capital forecast
Have something in mind? Let’s talk finance.
Get my free quoteAcquisition finance.
More options. Less legwork.
Buying an existing business, a competitor, a franchise or a book of clients can do in one move what years of organic growth can't. But these deals rarely fit a standard loan. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to structure finance around the acquisition and its cashflow.
80+ lenders, one application
We compare banks and specialist lenders in one go to find appetite for your specific deal.
Lenders who get acquisitions
Goodwill, earn outs and vendor terms are normal to us, we present your deal to lenders comfortable with them.
Why choose X Lend for acquisition finance?
Whether you're a first time buyer, an established operator bolting on a competitor, or a professional firm acquiring a client book, we match the deal to lenders who understand it. That can mean blending business loans, asset finance and property security to get the structure, and the price, right.
Acquisitions are time sensitive and detail heavy, so we move quickly, keep the moving parts clear, and only submit once the numbers stack up. We tell you upfront what's realistic so you can negotiate the purchase with confidence.
Move at deal speed
Acquisitions run to a timetable; we keep the finance moving so you don't lose the opportunity.
Use the target's cashflow
Well structured deals can be serviced largely by the business you're buying.
Clear, upfront guidance
We tell you what's fundable before you commit, so you negotiate from a position of strength.
The business you're buying can help pay for itself: well structured acquisitions are often serviced largely by the target's own earnings, and strong, profitable targets can sometimes be funded without property security.
Work out your repayments.
Then find your finance.
Try an amount and term for your acquisition finance. When you’re ready, we’ll compare the options available to you.
Acquisition finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The purchase included both tangible vehicles and equipment and intangible value from the customer book and existing local-government maintenance contracts.
Business acquisition finance · Sunshine Coast, QLDA plumbing competitor acquired with specialist business finance
Approved on the first lender enquiry and settled for $180,000 at a historical rate of 10.95%, alongside the buyer's $70,000 contribution to the $250,000 purchase.
- 3 weeks turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for acquisition finance. Your broker helps you prepare the application.
What do lenders look at for acquisition finance?
A business acquisition finance assessment connects the business purpose and timing with recent trading, existing commitments and a credible repayment source. The sections below show the structures and records relevant to that decision.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for acquisition finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include buying an existing business outright.
- 02
We do the lender research
We help organise sale agreement and historical financials and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange acquisition finance, with a broker to explain your options.
Business purchase: compare what the funding must cover
Swipe across the table to compare all columns.
| Part of the transaction | What to establish | Before you commit |
|---|---|---|
| Asset purchase | Which assets, stock, contracts and goodwill are included | Check valuations, ownership and whether leases or contracts can transfer with legal and accounting advisers. |
| Share purchase | Which company liabilities and obligations remain | Arrange legal, financial and tax due diligence; check lender and change-of-control conditions. |
| Vendor finance or earn-out | Repayment timing, performance conditions and ranking of debts | Confirm the main lender accepts the arrangement and budget for combined obligations. |
| Cash after completion | Wages, stock, supplier payments and cash collection timing | Keep working capital separate from the purchase price so the business can trade after settlement. |
A signed sale price records the agreement between buyer and seller. The finance application separately establishes value and serviceability through maintainable earnings, working capital, assets, liabilities and the buyer's contribution, including liquidity for the first operating cycle after settlement.
Maintainable earnings drive capacity
One-off expenses, owner add-backs and unusual revenue require clear supporting evidence.
Working capital can be overlooked
The purchase price may exclude cash needed for stock, wages, deposits and the first operating cycle.
Asset and share sales carry different risks
Legal, tax and liability consequences require professional advice and affect lender structure.
Vendor support can change the deal
Vendor finance, earn-outs or transition assistance should be documented and assessed with senior debt.
How to match repayments to business cash flow
The finance structure should reconcile purchase price, normal ongoing profit, assets, liabilities, buyer contribution and the cash required after settlement.
A week-by-week business acquisition finance forecast can place wages, supplier bills, tax, expected receipts and the proposed repayment on one timeline. This exposes the peak cash requirement and its expected repayment source.
When contracts and recent trading records help
For business acquisition finance, signed contracts, customer orders, aged receivables and payment schedules can show the amount and timing of expected revenue. Heavy reliance on one customer may need further explanation.
Recent bank statements, BAS, internal accounts and accountant information can support a business acquisition finance assessment when the latest annual financial statements no longer reflect current trading.
What should I have ready before applying?
- Obtain historical and current financial statements.
- Reconcile price to assets and maintainable earnings.
- Budget post-settlement working capital.
- Use legal and accounting advisers for due diligence.
How we can help.
Illustrative examples of how we approach acquisition finance.
Buyer has industry experience
The purchaser understands the sector and is acquiring their first business.
How your broker helps
We present the buyer's experience, contribution and operating plan with the target's verified earnings.
What to have ready
Buyer resume, sale memorandum, financials, bank statements and forecast.
Vendor finance forms part of the price
The seller will leave part of the consideration in the transaction.
How your broker helps
We document ranking, repayment timing and interaction with senior debt before approaching lenders.
What to have ready
Vendor-finance agreement, sale contract and sources-and-uses schedule.
Working capital required after settlement
The purchase price excludes stock, wages and the first operating cycle.
How your broker helps
We prepare a complete sources-and-uses statement and include the verified post-settlement liquidity need.
What to have ready
Stock schedule, wage budget, supplier terms and cash-flow forecast.
A word from your broker.
For an acquisition, our broker review covers maintainable earnings, working capital, the buyer's contribution and the agreed price. We coordinate the funding information with the customer's legal and accounting due diligence, then approach lenders suited to the transaction structure.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With acquisition finance
Use acquisition finance for a suitable operating cost, growth opportunity or timing gap.
Assess whether acquisition finance preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the acquisition finance facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to acquisition finance may be missed when funds are not available at the required time.
The cash-flow pressure acquisition finance is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using acquisition finance can leave less capacity to absorb an unexpected expense or slow month.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
acquisition finance.
Your acquisition finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and structure your acquisition finance with the best fit.
Can I finance buying a business without property security?
Sometimes. Strong, profitable targets can be funded partly on their own cashflow and goodwill, though property security usually unlocks a better rate. We'll show you the tradeoffs.
Can the business I'm buying help service the loan?
Yes, that's often the point. A well structured acquisition is serviced largely by the earnings of the target. We model this with you and present it to the right lenders.
How much deposit or equity do I need?
It varies by deal, lender and security, but expect to contribute some equity. We'll tell you a realistic figure early so you can plan the purchase.
How long does acquisition finance take?
More involved than a simple loan, but we move fast and keep it organised. Timeframes depend on due diligence and security, and we manage the lender end so you can focus on the deal.
What brands, models or purposes can acquisition finance cover?
Common examples include asset purchase, business purchase, goodwill, stock, working capital, vendor payout. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support acquisition finance?
A lender may ask for sale agreement, historical financials, management accounts, due diligence, valuation, buyer resume. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex acquisition finance application?
For acquisition finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Secured vs unsecured business loansBusiness lines of credit explainedBusiness finance with a new ABNBusiness loan eligibility checkerBusiness loan calculatorBusiness cashflow calculatorCommercial property LVR calculatorHospitality financeRetail financeHealthcare and medical financeBusiness equity releaseLow doc business loansBusiness overdrafts
Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — apply for a business loan
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026