Small Business Acquisition Capital Raising Services

Capital Raising for Small Business Acquisitions

Buying a small business is simple on paper, then lenders start asking real questions. We run the entire capital raising process for buyers under LOI or APA, including underwriting, capital stack design, lender-ready materials, and a controlled term sheet workflow through closing. If you are early in the journey, start with our business acquisition funding guide.

We turn your acquisition into a financeable credit file. Scope covers underwriting, deal packaging, lender outreach support, and closing coordination. Funding paths can include senior acquisition debt, cash flow term loans, asset-based lines, seller notes, and equity gap solutions such as mezzanine or preferred equity when required. Outcome is a lender-ready data room, a clear sources and uses story, defensible assumptions, and a process that stays time-boxed. If you want to see how we package files in a structured way, reference our acquisition financing packaging overview.

What We Do End to End

Underwrite the Deal

  • LOI or APA review and risk mapping against lender requirements
  • Cash flow normalization, add-backs review, and downside stress checks
  • Debt capacity sizing and covenant feasibility based on the business profile
  • Collateral view: assets, liens, concentration, and working capital dynamics

Design the Capital Stack

  • Senior debt sizing, amortization, and pricing expectations
  • Seller note mechanics: amount, subordination, payment terms, and protections
  • Equity plan: buyer cash in, co-investor equity, or equity gap solutions
  • Sources and uses schedule and closing cash requirement clarity

Build the Lender Package

  • Credit memo built for lender and committee review
  • Model exhibits: cash flow bridge, sensitivities, debt service coverage, and uses
  • Data room structure and document checklist mapped to lender diligence
  • Management profile, integration plan, and execution timeline section

Run the Lender Process

  • Target lender list by industry, ticket size, and risk appetite
  • Q&A management, follow-ups, and timetable discipline
  • Term sheet tracking, comparison, and selection support
  • Closing coordination with counsel and third parties through funding

Financing Paths We Coordinate

  • Senior secured acquisition debt for stable cash flow businesses
  • Cash flow term loans and unitranche style structures where speed matters
  • Asset-based lending lines for inventory, receivables, and equipment-heavy businesses
  • Seller notes with documented subordination and payment terms
  • Mezzanine debt where the deal needs an equity gap layer and can service it
  • Preferred equity where leverage is constrained but growth and stability justify it
  • Bridge solutions for deposits, timing gaps, or interim working capital
  • Working capital revolvers added to protect post-close liquidity where relevant

If your deal relies on collateral and borrowing base logic, reference asset-based lending. If the close depends on additional credit support, see how we think about credit enhancement and guarantees.

Lender Network and How We Use It

Small business acquisitions do not need hundreds of random submissions. They need precise matching. Our distribution approach targets lenders that actually underwrite the industry and ticket size you are buying, including regional and specialty lenders, private credit, and asset-based platforms where collateral drives outcomes. We distribute complete files only, then run a disciplined Q&A and term sheet workflow so you can choose based on pricing, covenants, and certainty of close.

  • Lenders matched by industry, cash flow profile, and collateral coverage
  • Shortlist outreach sequence tied to your closing timeline
  • Term sheet comparison that prioritizes execution risk, not just rate
  • Closing coordination so the process does not drift

Eligibility and Dossier

Best Fit

  • LOI or APA is signed and there is a defined closing deadline
  • Target has credible financials and a bankable operating history
  • Buyer has a clear equity contribution plan and liquidity buffer
  • Valuation and structure are inside underwriting reality for the sector

Core Dossier

  • LOI or APA and purchase price breakdown
  • Financials: trailing performance, add-backs detail, and any QoE if available
  • Customer concentration, contracts, and pipeline summary where relevant
  • Debt schedule, liens, and material legal items
  • Buyer background, equity proof, and post-close operating plan

If you are still validating the equity contribution, read proof of funds and how buyers prepare lender-facing documentation. If your timeline is tight, see our approach to private credit as a path when bank timelines do not work.

Process

Intake

Mandate signed and LOI or APA reviewed. We confirm purchase price, target financials available, buyer equity plan, and the closing deadline.

Underwrite and Package

We build the lender memo, sources and uses, and the model exhibits. The data room is structured with a clear checklist and version control.

Terming Strategy

We define the target capital stack, lender profile, and outreach sequence. Seller note and equity gap elements are positioned cleanly.

Outreach and Term Sheets

Lenders receive a complete package, not a partial story. We manage Q&A, track term sheets, and support selection based on real closing risk.

Closing Support

We coordinate closing items with counsel and the lender team, including diligence requests, covenant points, and funding logistics through close.

Pricing Guidance

  • Advisory retainer from USD 59,500 based on deal size, complexity, and closing timeline
  • Larger deals and multi-entity structures are priced based on diligence load and lender process design
  • Success fees are confirmed in the engagement letter and depend on structure and closed capital
  • Third-party costs may include legal drafting, QoE, tax, appraisal, and background verification

This works when the deal is real and time-boxed. If there is no LOI or APA and no credible equity plan, the file usually stalls.

Request Acquisition Funding Terms

Share your LOI or APA, target financials, equity contribution plan, and closing date. We respond with eligibility, next steps, and a clear packaging scope.

Include the purchase price, sources and uses if you have it, and any lender conversations to date. We act as advisor and arranger and coordinate execution through regulated counterparties where lending or securities intermediation is required.

Request A Quote

All transactions are subject to KYC and AML, sanctions checks, credit approvals, diligence, and signed agreements. No offer of securities is made.

Financely acts as advisor and arranger. We are not a bank and do not take deposits. Financing outcomes depend on lender approvals, diligence results, legal documentation, and counterparty performance. Nothing here is a guarantee of funding or closing.