Business Finance
Funding the deal, from an acquirer's side of the table.
Senior, mezzanine and vendor-blended debt structures to fund a business purchase.
- Facility range
- £100,000 to £25m
- Term
- To 10 years
- Structure
- Senior, mezzanine, vendor blends
- Underwriting basis
- Cash flow or asset backed
What it is
Acquisition finance structures typically blend senior debt, mezzanine finance, vendor loan notes and asset-backed layers, each pricing risk differently. Lenders underwrite the target's cash flow, so what matters is EBITDA quality, customer concentration and how the deal is structured, not the acquirer's personal wealth.
Deposit requirements typically run 20% to 40% of enterprise value, though vendor loan notes and asset-backed layers frequently reduce the cash an acquirer needs to bring. We will tell an acquirer plainly when a deal does not fund, before it costs them a due diligence bill.
Who it suits
- Acquirers buying a trading business with stable cash flow
- Management teams structuring a buyout of the business they run
- Buyers who want a vendor loan note to reduce day one cash
- Acquirers with sector experience taking on a business outside their current group
Start an enquiry
Tell us what you need to fund.
How it works with us
01
We review the target's accounts, EBITDA and customer concentration
02
We structure the deal across senior, mezzanine and vendor layers to fit the numbers
03
We take the structured proposal to the panel and return terms within 24 hours
04
Funds complete alongside the share or asset purchase, coordinated with your solicitor
Questions
Related products
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Business Loans
Unsecured and secured lending against turnover and bank conduct.
£25,000 to £5m
Commercial Mortgages
Owner-occupier and investment lending to 75% LTV.
£100,000 to £25m
Invoice Finance
Release cash tied up in unpaid invoices, confidentially if required.
Up to 90% of invoice value
Or see the full range of commercial finance we arrange.
