Finance question
Can I get finance to buy another business?
Yes. Acquisition finance funds the purchase of another business, and it is often property-backed, which brings the rate down and the limit up. Property-backed facilities reach the $5 to 6 million range at single-digit rates, with no financials on many deals. Ventas structures the deal across its lender panel, subject to lender assessment.
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The short answer
Fund the acquisition, often against property
Buying another business is one of the fastest ways to grow, and you rarely need the full price in cash to do it. Acquisition finance funds the purchase, whether that is a competitor, a supplier or a book of clients. How it is structured depends on what is behind the deal, but the most common route is to secure it against property, which is what makes the numbers work.
Property-backed lending is why this reaches real scale. When residential or commercial property secures the deal, the facility can run up to the $5 to 6 million range at single-digit rates, closer to a home loan than to unsecured business debt. Many of these deals settle with no financials, and existing ATO debt is often workable, so a strong buyer is not shut out by paperwork alone.
As a broker, Ventas is paid by the lender on settlement, so there is no upfront fee to you. We look at the target business, the equity you hold and how you plan to fund the deal, then match it to the lender most comfortable with an acquisition of that shape. New businesses can qualify too, with no long ABN history required, subject to lender assessment.
Do you qualify?
What supports an acquisition deal.
Property to secure it
Residential or commercial equity brings the rate down.
A target business
A competitor, supplier or client book to buy.
Equity you hold
The equity behind the deal helps size the facility.
New or established
New businesses qualify, no long ABN history needed.
Why acquisition finance is usually property-backed
Bigger limits
Property security lets the facility reach the $5 to 6 million range.
Single-digit rates
Real estate as security keeps the pricing in single digits.
Light on paperwork
Many deals settle with no financials, and ATO debt is often workable.
A real example
An owner wants to buy a competitor for $900,000 and holds a commercial property with strong equity. Secured against that property, the acquisition is funded at a single-digit rate rather than expensive unsecured debt, and the deal settles without up-to-date financials. The property equity, not the cash in the bank, made the purchase possible. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Do I need the full purchase price in cash?
No. Acquisition finance funds the purchase, and when it is secured against property it can reach the $5 to 6 million range.
Why is it usually secured against property?
Property security brings the rate into single digits and lifts the limit, which is what makes a larger acquisition affordable.
Can a new business buy another business?
Yes. New businesses can qualify with no long ABN history required, subject to lender assessment.
What if I owe the ATO?
ATO debt is often workable on property-backed deals. We cover that on the business loan with ATO debt page.