Business Acquisition & Merger Finance

Buying or merging a business can be a powerful way to grow, diversify or step up in your industry – but getting the finance wrong can make a good opportunity much harder than it needs to be.

At Loanworx, we help you structure Business Acquisition Finance and merger funding so it supports your strategy, not just your lender’s checklist. Whether you’re buying 100% of a business, taking an equity stake, merging practices or completing a management buyout, we work with you to put the right mix of debt and security in place.

Why Businesses Turn to Loanworx for Business Acquisition Finance

A business acquisition or merger isn’t just another loan – it’s a major decision that can reshape your income, risk and day-to-day responsibilities. Off-the-shelf lending rarely fits these deals well.

At Loanworx, we take the time to understand the business you’re buying, how the numbers really work, and what role you’ll play after settlement. We review your current borrowing, look for savings or better structures, and then design Business Acquisition Finance that fits the deal and your cash flow, rather than forcing you into a structure that only works on paper.

How We Support Business Acquisitions and Mergers

Our commercial finance brokers understand that no two transactions are the same. We:

Review your existing loans to identify possible savings or improvements
Assess the target business, its earnings and the impact on your overall position
Explore lenders who are active and competitive in the acquisition and merger space
Negotiate tailored facilities that line up with your strategy and risk appetite
Stay with you through the process so you’re not constantly re-explaining your business

We know many banks assume you won’t move – and price your lending accordingly. Our job is to make sure you’re not leaving money on the table.

When Business Acquisition & Merger Finance Makes Sense

Business Acquisition Finance can make sense when you want to grow faster than organic expansion allows, step into ownership from a senior role, or bring two complementary businesses together.

Common scenarios include buying into a professional practice, acquiring a franchise, completing a management buyout, purchasing a competitor, or merging with a related business to unlock scale and efficiency. Even if you’re already in business, it’s often worth reviewing your current loans at the same time – your rates or products may have drifted over the years, and a major transaction can be a good moment to reset everything properly.

Why Planning Your Acquisition Finance Early Matters

Planning your Business Acquisition Finance early is not about rushing into a deal. It’s about knowing, before you sign anything, what you can realistically afford, how lenders are likely to view the transaction and what conditions they may put on the funding. When we talk early, we can help you line up the structure, limits and terms ahead of time, rather than trying to reshape the deal at the last minute to fit a lender’s policy.

A clear finance strategy also reduces the risk of delays at contract, due diligence or settlement, and gives you more confidence when negotiating price, terms and handover arrangements with the seller.

Key Things to Know About Business Acquisition Finance

Potential Benefits:

Use Business Acquisition Finance to buy part or all of an existing business
Structure repayments around realistic cash flow from the acquired business
Consolidate or restructure existing loans as part of the transaction
Negotiate sharper pricing or better terms by considering multiple lenders
Support succession plans, management buyouts and equity participation

Things to Watch:

Lender appetite for your industry and the type of business you’re buying
How sustainable earnings (not just headline revenue) are assessed
Security requirements, including business assets and possible property support
Loan terms that are too short for realistic cash flow, creating pressure
The impact of extra debt on your overall risk, buffers and lifestyle

We’ll walk through these factors in straightforward language so you understand how each one applies to your proposed acquisition or merger before you commit.

Our Lender Relationships for Acquisition & Merger Deals

For Business Acquisition Finance, having more than one option matters. Loanworx works with:

Major Australian banks
Second-tier and non-bank lenders
Specialist funders in selected industries and professions

This broader panel means we can look beyond your existing bank and consider lenders who are actively trying to win business in the acquisition and merger space. Our role is to match your transaction with lenders whose policies, pricing and appetite align with what you’re trying to achieve.

How Loanworx Arranges Business Acquisition & Merger Finance

Securing Property Development Finance can feel complex, but our job is to simplify it and manage the process end to end.

Step 1 – Initial Discussion and Goals

We start by understanding the business you’re looking at, your role, price expectations and how the deal is likely to be structured. We also review your current borrowing and obligations.

Step 2 – Numbers, Structure and Lender Shortlist

We look at financials, earnings, add-backs and cash flow to see what level of Business Acquisition Finance is realistic, then outline possible structures and shortlist suitable lenders.

Step 3 – Proposal and Negotiation

We prepare a lender-ready proposal, present your case clearly and negotiate terms, pricing and conditions on your behalf so you understand the real-world impact of each option.

Step 4 – Approval and Settlement Support

We guide you through conditional approval, documentation and settlement, coordinating with your accountant, solicitor and, where relevant, the vendor’s advisers to help keep the process on track.

Speak with a Commercial Finance Broker

Frequently Asked Questions

Can I finance 100% of a business purchase price?

In most cases, lenders expect some equity contribution, but the exact mix of debt and equity depends on the strength of the business, security and your overall position. We’ll show you what’s realistic for your transaction.

Will lenders use all of the business’s profit to assess the loan?

Lenders focus on sustainable earnings, not just one-off spikes. They may adjust for add-backs, owner’s wages and other items. We’ll help you present the numbers in a way lenders understand.

Can I use property as security for Business Acquisition Finance?

Often, yes. Many acquisition facilities are supported by a mix of business assets and property security. We’ll walk you through the options and implications of each approach.

Is it possible to refinance my existing loans at the same time?

Yes. A business purchase or merger is often a good time to review and restructure existing lending. We can look at your current facilities and recommend whether consolidation or refinancing makes sense.

How long does Business Acquisition Finance usually take to arrange?

Timeframes vary by lender and complexity. We’ll give you realistic expectations upfront and encourage you to start the finance process well before key contract or settlement dates.

Ready to Discuss Business Acquisition & Merger Finance with Loanworx?

If you’re considering buying into a business, completing a management buyout or merging with another practice, now is the right time to explore your Business Acquisition Finance options and put a clear plan in place.

Call us on 1300 562 696 and one of our commercial finance brokers will be in touch.

Here to support you on your financial journey.

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Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.