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Business acquisition loans for cross-border buyers
Finance the purchase of an existing business in USD, with the target’s cash flow and your experience at the centre of the application.
What this financing is and how we arrange it
Buying a going concern is assessed differently from ordinary borrowing: the lender studies the target company as closely as the buyer. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
If the purchase is mainly about the building, consider commercial real estate loans.
When it fits
- Owners buying a competitor or supplier
- Managers buying out a retiring owner
- Investors acquiring a business in a market they know well
- Buyers who can fund part of the price from their own capital
What lenders typically ask for
- A letter of intent or draft sale agreement
- Three years of the target’s financial statements and tax filings
- A valuation or the basis for the asking price
- Buyer ID, CV and proof of the equity being contributed
An illustration
An operator agrees to buy a small logistics company for USD 900,000 and contributes part of the price. The lender reviews the target’s accounts and the buyer’s experience before deciding how much to advance. Due diligence runs alongside the application, so we ask for target documents early.
For illustration only. This is not an offer, rate or quote.
How it compares
Acquisition finance depends on the target’s earnings, unlike an ordinary term loan, which depends on the borrower’s own. For organic growth rather than a purchase, see business expansion loans.
JP Lending helped me secure funding to open my new office overseas, and the experience was flawless. No upfront fees, clear communication, and fast approvals. I felt supported throughout. They truly care about helping businesses succeed
Frequently asked questions
How much of the price do I need to put in?
Lenders usually expect the buyer to contribute part of the price. The proportion is set by the lender case by case.
Can the seller’s documents be shared with lenders?
Usually under a confidentiality agreement. Get the seller’s consent before sending financials.
How long does an acquisition loan take?
Longer than a standard loan, because lenders review the target. Funding is instant only once the lender has approved and the agreement is signed.
Related financing options
Business expansion loans
Funding to open a new site, enter a new market or scale up operations.
Loan typeCommercial real estate loans
Property-backed finance to buy, refinance or improve commercial premises.
Loan typeLow interest business loans
How to improve your chances of competitively priced finance.
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