Serving Dallas-Fort Worth

Business Acquisition Loans in Dallas, TX

A business acquisition loan finances the purchase of an existing business: a competitor, a turnkey operation, a partner's stake, or a franchise unit. Acquisitions are typically funded under the SBA 7(a) program, which can finance up to 90% of the purchase plus working capital in a single loan.

No upfront fees, ever
Compare multiple lenders in one call
Texas-based advisors
Soft credit pull (no credit hit to quote)

Call (469) 213-1499 Apply Now

Business Acquisition Loans for Dallas-area business owners

Program at a glance

Typical loan amount: $100K - $5M (SBA 7a) · larger amounts conventional
Funding speed: 45-90 days to close
Term length: 10 years (working capital portion) · up to 25 yrs (with real estate)
To qualify: 10%+ buyer equity injection, target shows DSCR ≥ 1.15, clean books

Ranges are typical for Dallas-area files. Final rates and terms depend on the lender and borrower profile.

Written & reviewed by the Compass Lenders advisory teamDallas-Fort Worth business financing advisorsUpdated June 2026

What it is

Business Acquisition Loans, explained in plain English

For Dallas-area acquisitions we structure the file around the target's cash flow (debt service coverage), the buyer's equity injection, and any seller financing, then route to lenders actively writing acquisitions in that industry.

Compass Lenders is not a lender. We're a Dallas-based advisory firm that places your file with the lender most likely to fund it on the best terms, and we get paid only when your deal closes.

Who it's best for

A good fit if you recognize yourself here

Business Acquisition Loans tends to be the right choice in specific situations. If one or more of these describes you, it's worth a 15-minute call.

Business types

Strategic buyers acquiring competitors
Operators buying out a co-owner or partner
Search-fund and individual buyers stepping into ownership
Multi-unit franchisees adding another location
Family-business successors taking over from a retiring owner

Situations it fits

The target business has 2+ years of documentable cash flow
You have at least 10% equity to inject (cash or rolled equity)
You can demonstrate operational experience or transferable skills
The deal has clean books and a verifiable purchase agreement

Typical terms

The numbers, as straight as we can give them

These are typical ranges for business acquisition loans files we place for Dallas-area borrowers. Final rates and terms depend on the lender and the borrower profile.

Typical loan amount: $100K - $5M (SBA 7a) · larger amounts conventional
Term length: 10 years (working capital portion) · up to 25 yrs (with real estate)
Time to funding: 45-90 days to close
Qualification basics: 10%+ buyer equity injection, target shows DSCR ≥ 1.15, clean books
Documentation: LOI/purchase agreement, 3 yrs target tax returns + financials, buyer resume
Cost to apply: $0 upfront. No fees, no obligation.

How to apply

From first call to funded in days

01
Talk to a Dallas advisor
Quick 15-minute call. We confirm business acquisition loans is the right structure, or recommend a better-fitting program.
02
Submit your file
One-page application plus 3 months of business bank statements. Most files don't require tax returns.
03
Compare real offers
Within 24-72 hours we bring back 2-4 funded offers from lenders actively writing this program for Texas borrowers.
04
Sign and fund
Pick the offer that fits. Funds land in your business account, often the same business day.

Call (469) 213-1499 Start my application

Benefits

Why Dallas owners pick business acquisition loans through us

Decisions in hours

Files for business acquisition loans are usually screened the same day they arrive.

No upfront fees

We're paid by the lender on close. You see real offers before any commitment.

Multiple lenders, one file

One application, side-by-side offers, so you choose on facts, not pressure.

Texas-based advisors

Local underwriters who understand Dallas business profiles and Texas filings.

Soft credit pull to quote

Initial review is a soft pull, with no impact to your personal credit score.

Built around your cash cycle

Term, draw structure, and payment cadence sized to how your revenue actually arrives.

Common uses

How Dallas businesses actually use it

A few of the real-world reasons business acquisition loans shows up in our pipeline each month.

Use case

Buy a competitor

Consolidate market share and combine operations.

Use case

Partner buyout

Acquire a co-owner's stake and consolidate ownership.

Use case

Acquire a turnkey operation

Step into an established cash-flowing business instead of starting cold.

Use case

Franchise resale

Buy an existing unit from a retiring franchisee.

Use case

Family business succession

Finance a planned generational handoff.

FAQ

Business Acquisition Loans questions, answered

How much do I need to put down on a business acquisition loan?

SBA generally requires at least 10% buyer equity, of which at least half must be the buyer's own cash. The rest can be seller financing on standby. Final rates and terms depend on the lender and the borrower's profile.

Can I roll real estate into the acquisition loan?

Yes. If the target operates out of owner-occupied real estate, the SBA 7(a) can finance the business and the building on a single, longer-term note.

What is DSCR and why does it matter?

Debt Service Coverage Ratio compares the target's cash flow to the new loan payment. SBA lenders look for DSCR of roughly 1.15× or better on the post-close pro-forma.

Do I need industry experience to get approved?

Strongly preferred but not always required. Transferable management experience plus a strong operations plan can overcome industry inexperience for the right deal.

How long does a business acquisition loan take to close?

Typically 45-90 days from accepted LOI to funding, depending on diligence and SBA processing.

Related financing