Soft credit review
What the purchase can support is reviewed on a soft credit pull, which leaves your personal and business credit untouched.
Business acquisition financing
Financing for the business you are buying.
Tell us about the purchase, and EBASCO Capital reviews it with lending partners that finance business acquisitions, including SBA 7(a) lenders. You can apply before the buying entity exists.
- No entity name or EIN needed to apply
- For buyers exploring a deal or already under a letter of intent
- No cost to review your options
- The deal
- The business
- About you
- Documents
- Review
The business you're buying
These are the numbers a lender runs the deal on.
Seller's Discretionary Earnings. A lender sizes the loan off this number.
A recent ownership change is underwritten differently.
Real estate
Lenders generally want the lease term plus options to cover at least 10 years.
About you
The buyer is underwritten separately from the business. This is your part, and we already have your name and contact details.
The target's tax returns and financials
Lenders underwrite the business you are buying on its actual results. These are the two documents they always ask for.
Attach what you have. Nothing here holds up your prequalification, and you can add the rest later in your secure application.
Supporting documents
The CIM, the LOI, bank statements, equipment lists, licences and anything else you already have on the business you are buying. No limit on how many.
PDF, JPG, PNG, Excel or Word, up to 100 MB per file. Bank statements, a personal financial statement and a debt schedule come later in the secure application.
Review and submit
Check the numbers. You can go back and change anything.
Your application is in.
Your acquisition application is with EBASCO Capital's lending partners. Your secure portal is next: the rest of the application continues there, and lender responses arrive there as they come in.
One application for the whole purchase.
The deal is described once and placed with lenders that write SBA 7(a) and conventional acquisition loans, so your time can go to due diligence.
Every structure together
SBA and conventional options come back side by side, so they can be compared on rate, term and down payment.
Seller financing counted
Seller notes, standby debt and earnouts are treated as part of the capital stack from the first review.
From letter of intent to closing.
Your portal shows where the file stands and what each lender needs next.
- 1
Apply
Describe the purchase in one application, with no cost and no obligation.
- 2
Review
The deal is matched with lenders that finance acquisitions of this size.
- 3
Compare
Rate, amortization, down payment and guaranty requirements are laid out side by side.
- 4
Close
The lender you select funds at closing together with your equity and any seller note.
- 5
Transition
Ownership changes hands with working capital in place for the first months.
Built around buyers.
Each request is structured around the way the purchase will close, from the letter of intent to the funding.
Competitive terms
Compare rates, terms and down payment requirements so your cash goes further.
Early answers
Learn early what lenders will fund, so due diligence and underwriting can move at the same time.
SBA 7(a) experience
Lenders that know the program, including the 10% down payment, standby seller notes and the owner-operator rule.
Know what you can borrow before you sign.
Apply with the real numbers, compare your options, and negotiate the purchase knowing what a lender will fund.
- Up to $5MSBA 7(a) loan limit
- 10% downTypical SBA equity injection
- Soft pullTo review your options