Acquisition capital
Most buyers close on 10% down. We build the capital stack.
Freedom Business Group works with SBA preferred lenders and Kern County community banks to pre-qualify buyers before an offer goes out — so sellers see funded offers, not maybes.
Deal funding calculator
Model the stack, monthly debt service and coverage ratio. Lenders want 1.25x or better.
Capital stack
Monthly debt service
$12,092
- Cash required at close
- $95,000
- Annual debt service
- $145,100
- Debt service coverage
- 1.96x
- Owner earnings after debt
- $139,900
Estimates only. Seller note modeled at 6% over 5 years. Actual terms depend on lender underwriting, collateral and buyer experience.
Send this scenario to a lenderWays buyers fund a Kern County acquisition
Most common
SBA 7(a) acquisition loan
Up to $5M, 10-year amortization, typically 10% buyer equity. The workhorse of Main Street acquisitions.
Deal glue
Seller financing
Owner carries a note for part of the price. Aligns incentives, bridges valuation gaps, and often counts toward SBA equity.
Property deals
SBA 504 / real estate
For acquisitions that include the building. Longer amortization on the real property portion lowers total debt service.
Speed
Conventional & local bank
Kern County community lenders can move faster than SBA when the buyer has collateral or industry experience.
Working capital
Post-close capital line
A revolver or equipment line stacked on top of the acquisition loan so day one isn't cash-tight.
Structured
Earnouts & equity rollover
Performance-based consideration or a retained seller stake for larger, growth-stage transactions.
What lenders ask for
- Three years of business tax returns and interim P&L
- Buyer resume showing relevant management or industry experience
- Personal financial statement and 10% liquid injection
- Credit score generally 680+ with no recent defaults
- Business cash flow covering debt service at 1.25x or better
- Assignable lease or real estate under contract
Get pre-qualified before you offer
We introduce you to SBA preferred lenders active in Kern County, California, package your file, and deliver a pre-qualification letter that makes your offer credible. No cost to buyers.
(661) 555-0142
deals@freedombusinessgroup.com