Business acquisition loans provide capital to purchase an existing company, covering the sale price, inventory, equipment, and working capital reserves. Myrtle Business Capital brokers SBA 7(a) and conventional acquisition financing for buyers throughout Green Bay, Ashwaubenon, De Pere, and Brown County, connecting you with lenders whose underwriters approve files based on both the target business's cash flow and your industry experience.
Acquisition loan underwriters examine the seller's tax returns, your management background, the purchase price relative to trailing twelve-month earnings, and collateral coverage. Most approved files show at least two years of profitable operation by the seller, a buyer with transferable skills, and a debt-service-coverage ratio above 1.25. When you work with our brokerage at 700 Pilgrim Way, Green Bay, WI 54304, we review those underwriting checkpoints before submission so your file reaches lenders who fund deals structured like yours.
The typical small business acquisition financing package covers 80 to 90 percent of the purchase price when an SBA 7(a) guarantee backs the loan. Buyers inject the remaining equity, which can include seller notes or standby debt counted toward your cash contribution. Underwriters also verify that goodwill and non-compete covenants fit SBA valuation guidelines, a detail many first-time buyers overlook until the closing table.
Buyers deploy acquisition financing to purchase manufacturing firms along the Fox River industrial corridor, retail shops on Military Avenue in Ashwaubenon, and service franchises in Howard and Suamico. Funds cover the negotiated sale price, transfer fees, legal costs, initial inventory top-ups, and three to six months of operating reserves. One recent scenario involved a De Pere buyer acquiring a commercial HVAC contractor whose owner was retiring; the file required proof that the buyer held an EPA 608 certification and had managed field technicians, criteria the underwriter verified before final approval.
Franchise acquisition financing follows similar logic but adds the franchisor's Item 19 earnings disclosure and your franchise agreement to the underwriting file. Lenders confirm the brand meets SBA franchise-directory standards and that your liquid assets exceed the franchisor's net-worth requirement.
How it works
Submit three years of business tax returns for the target company, a signed letter of intent, your personal financial statement, and a resume documenting relevant experience. We package those documents with a broker memo that highlights underwriting strengths, then route your file to acquisition financing lenders whose credit boxes match your deal structure. Because we're a licensed commercial-loan broker, not a direct lender, we compare terms across multiple institutions and disclose each cost line item before you sign.
Drive time from Ledgeview or Oneida to our Green Bay office is under fifteen minutes, or we can collect documents electronically and meet by phone. Either way, transparency starts with showing you exactly which underwriting criteria your file satisfies and which elements need strengthening. Visit our Green Bay, WI business financing hub for an overview of all programs, or explore related products like SBA loans, working capital loans, and commercial real estate financing. We also maintain a service areas page listing every community we cover across Brown County.
Call (920) 269-9402 to discuss your acquisition target with a broker who understands Green Bay's market and the underwriting standards that approve deals here.
Serving the Green Bay area
We know which lenders fund which kinds of Green Bay 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.
Why Green Bay owners trust Myrtle Business Capital
