Business Acquisition Finance.
There's a business you want. A price agreed or a deal on the table. Now you need the finance - structured right, approved fast, and without jeopardising the deal. Co-Pilot works across 60+ lenders including specialist acquisition lenders to structure the funding, coordinate with your advisors, and get you to settlement.
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What can we help you with?
The Product
Business acquisition finance - structured around your deal
Acquiring an existing business is one of the most significant financial decisions a company can make. It requires navigating a complex mix of due diligence, deal structuring, and financing - all while running your existing operations. The right finance partner makes the difference between a deal that works and one that doesn't.
Co-Pilot works across 60+ lenders - including specialist business acquisition lenders that aren't available through standard channels - and coordinates directly with your accountant and solicitor to keep due diligence and settlement on track.
From a small business purchase to an established SME or franchise acquisition, we help you find the right structure, understand the risks, and get to settlement without the deal falling over.
Specialist deal structuring
We understand acquisition lending - debt levels, equity splits, seller notes, and leveraged structures.
60+ lenders on panel
Including specialist business acquisition lenders not available through standard channels.
Coordinated end-to-end
We work with your accountant and solicitor to keep due diligence and settlement on track.
Transparent, risk-aware advice
We help you understand not just whether you can get the money - but whether the structure makes long-term sense.
Run The Numbers
Calculate your business acquisition finance repayments
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Estimated monthly repayment
$10,500.93
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Finance Structures
Business acquisition finance structures - which one suits your deal
Most acquisitions use a combination of these structures. The right mix depends on deal size, the target's asset base, your equity position, and the seller's terms. We help you choose.
Asset Financing
Use the assets of the acquired business as collateral for the loan. Ideal for acquisitions where the target holds significant tangible assets - plant, equipment, property, or inventory - that can support the facility.
Equity Financing
Raise capital by selling a share of your business to investors or partners to fund the acquisition. This preserves your debt capacity but dilutes ownership - best suited to high-growth acquisitions where investor alignment adds strategic value.
Debt Financing
Borrow the acquisition price and repay it over time with interest. You retain full ownership of the business while the loan is serviced from operating cash flow. The most common structure for established business acquisitions.
Seller Financing
The seller provides a loan to the buyer, typically at favourable terms, as part of the deal structure. This reduces the upfront capital requirement, demonstrates the seller's confidence in the business, and can simplify the overall acquisition process.
Leveraged Buyouts
A combination of debt and equity used to acquire a business - where the target's own assets and cash flow are used to service and secure the debt. This structure allows you to acquire a business with less upfront capital by leveraging what you're buying.
Eligibility
Business acquisition finance eligibility - what lenders actually assess
To be eligible for business acquisition finance, lenders look for the following. Requirements vary by lender and deal structure - our team will identify the best fit for your situation.
Business Financial Viability
The target business should demonstrate consistent profitability or a clear path to profitability. Lenders assess revenue, margins, and cash flow relative to the proposed debt level.
Credit History
A solid personal and business credit history strengthens your application significantly. Adverse credit isn't always disqualifying - talk to us and we'll give you an honest assessment.
A Credible Acquisition Plan
Lenders want to understand your rationale, how you plan to operate the business post-acquisition, and how the debt will be serviced. A clear, well-structured plan matters.
Industry and Management Experience
Demonstrable experience in managing and growing businesses - ideally in the same or adjacent industry - significantly improves lender confidence and approval outcomes.
Don't meet every criterion? Speak to our team - we work with specialist lenders for complex and non-standard acquisition scenarios.
Not sure if you qualify?
Business acquisition lending is more nuanced than standard finance. Tell us about your deal and we'll give you an honest view of your options - no obligation, no credit check just to have a conversation.
Why Finance?
Business acquisition finance benefits - why debt beats dilution
Immediate Competitive Advantage
Acquiring an established business gives you an instant customer base, trained staff, proven systems, and existing revenue - avoiding the slow ramp of building from scratch.
Improved Cash Flow from Day One
Unlike a startup, an established business generates cash flow immediately. With the right acquisition finance structure, that cash flow can service the debt while leaving room to grow.
Tax and Depreciation Benefits
Depending on the deal structure, the acquisition of business assets may offer depreciation claims and interest deductions - reducing your net cost of acquisition over time.
Flexible Financing Structures
Business acquisition finance isn't one-size-fits-all. From debt and equity to seller notes and leveraged structures, we find the combination that minimises upfront capital while protecting your cash flow.
Why Co-Pilot
Why Co-Pilot for business acquisition finance - not just any broker
End-to-End Acquisition Support
We guide you through the entire process - from identifying the right finance structure through to settlement. We coordinate with your accountant, solicitor, and the lender to keep the deal moving.
Access to 60+ Lenders
Our panel includes specialist business acquisition lenders, major banks, and non-bank lenders. We find the most competitive structure for your deal - not just the easiest approval.
Expert Deal Structuring
Business acquisition finance is complex. We understand how to structure a deal - debt levels, equity contribution, seller notes, asset splits - to maximise your chance of approval and minimise your risk.
Competitive Rates
We negotiate on your behalf across our full lender panel. You get the benefit of our relationships and volume - not the rate a first-time buyer would walk in and receive.
Risk Management
We help you understand the financing risks involved in an acquisition - not just whether you can get the money, but whether the structure makes sense for your long-term business goals.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Business Acquisition Finance
Deal on the table?
Let's structure the finance.
Tell us about the deal - the asking price, your equity position, and the target's financials. We'll come back with honest options across 60+ lenders and help you structure the right facility to get to settlement.