Specialty

Mergers and Acquisitions Financing

Customized funding structures to help you acquire another company or facilitate a partner buyout. We combine term debt, SBA, and mezzanine financing to get the deal done.

Apply Now → Call +1 (888) 388-7118

At a Glance

Funding Amount $250,000 - $100,000,000+

Term 3 to 10 Years

Overview

The Angel Funding Advantage

But the capital behind the deal is where acquisitions succeed or fail: it takes a working command of enterprise valuation, goodwill, leverage, and multi-tiered capital stacks.

We engineer the entire capital stack, not a single loan. Depending on the deal, that can mean senior cash-flow debt, asset-based lending against the target's receivables and equipment, SBA 7(a) acquisition loans, mezzanine financing for extra leverage without dilution, seller notes, and earnout structures. Facilities range from lower-middle-market deals up to $100M+, and our advisory network of CPAs, attorneys, and debt advisors helps optimize the structure for tax and legal outcomes — not just the closing.

Full capital-stack engineering
Facilities up to $100M+
Mezzanine & seller-note structures
SBA 7(a) eligible structures

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Deal Analysis

The initial request is short and straightforward.

Stack Structuring

We design data-driven, customized options balancing senior debt, asset-based facilities, mezzanine, seller financing, and your equity — then you compare them side by side.

Underwriting

Extensive diligence is performed on both the acquiring entity (you) and the target entity to ensure post-close cash flow can service the new debt.

Closing

Funds are wired to escrow, ownership shares are transferred, and the acquisition is finalized — with post-close capital available for integration and growth.

Who Qualifies?

Entrepreneurs, existing businesses, or PE-backed platforms buying a profitable, cash-flowing entity
Target companies with strong historical EBITDA / Seller Discretionary Earnings (SDE), predictable cash flow, or strong asset bases
Acquirers with relevant industry experience or strong management teams staying in place

Why Choose This Option

Preserves your personal liquidity by leveraging the target company's assets and cash flow to secure the loan.
Non-dilutive structures — asset-based and mezzanine layers deliver higher leverage without giving up ownership like private equity.
Leverages the SBA 7(a) program to finance "goodwill" (blue sky) that traditional banks refuse to lend against.

Common Scenarios

How businesses use Mergers and Acquisitions Financing

Management & Partner Buyouts

Finance an MBO, a partner buy-in, or the buyout of a retiring 50/50 partner without draining company cash.

Vertical Integration

Acquire a key supplier or logistics provider to control your own costs, timelines, and margins.

Succession & First-Time Buyers

An experienced operator or executive acquires a profitable local business as its founder retires.

FAQ

Frequently Asked Questions

Get the facts on Mergers and Acquisitions Financing.

How does seller financing factor in?

Lenders love seller financing because it keeps the seller invested in your success. In many SBA structures, a seller note on standby can actually count toward your required equity injection.

What is mezzanine financing and when does it make sense?

Mezzanine is a hybrid layer between senior debt and equity. It's common on larger deals where the buyer wants to preserve equity.

Should I use a bank or a specialty lender?

We help you compare both.

What is Goodwill and will you finance it?

Goodwill is the portion of the purchase price that exceeds the value of the hard assets (essentially paying for brand, customer lists, and cash flow). Traditional banks hate goodwill, but the SBA 7(a) program is specifically designed to finance it.

Do I need experience in the industry I am buying into?

Yes, lenders heavily weigh the buyer's resume. If you are a software engineer trying to buy a commercial plumbing company, you will face high scrutiny unless the existing management team is staying on post-close.

Can I use the target company's assets as collateral?

Absolutely. A major part of M&A financing is placing liens on the equipment, inventory, and receivables of the company you are acquiring to secure the debt.

Business Funding

Commercial Real Estate

Investor Loans