Traditional Acquisition
Buy the business outright at close — cash, conventional debt, or SBA financing.
Thousands of business owners transition businesses every year. Business Partner Match™ helps you understand every legitimate path to ownership before you make a decision.
What it is
A traditional acquisition transfers 100% ownership at closing. The buyer funds the purchase with personal capital, conventional senior debt, SBA 7(a) loans, or some combination. The seller exits cleanly (or stays for a brief transition).
Advantages
- +Clean, immediate 100% ownership
- +Fastest decision-making post-close
- +Well-understood financing playbooks (SBA 7(a), conventional)
- +Seller exits — no ongoing dependency
- +Easier to integrate into existing portfolio
Typical Risks
- !Largest upfront capital requirement
- !Personal guarantees on SBA / bank debt
- !No seller-aligned incentives post-close
- !Full transition risk lands on the buyer
Typical Structure, Timeline & Investment
Typical structure: 10%–25% buyer equity, 70%–90% senior debt (often SBA 7(a) up to $5M), short transition consulting. No earnouts or seller notes required.
Example Scenario
A $3M revenue plumbing company is acquired for $2.4M: $600K buyer equity, $1.8M SBA 7(a) over 10 years at SBA prime + 2.75%. Seller consults for 30 days, then exits.
Best Suited For
Buyers with significant capital or strong SBA-eligible credit profiles who want clean, immediate control.
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Educational information only. Always consult qualified legal, tax, financial, and lending professionals before entering any business acquisition.