82% of small business acquisitions require external financing. When you're ready to purchase an existing company in Centennial, understanding your funding options and their true costs separates confident buyers from those who overpay or walk away from viable deals.
Overview
Business acquisition loans provide capital to purchase an existing company, franchise, or controlling stake in an operating business. Unlike startup financing, these loans are secured by the cash flow and assets of the target business, allowing you to buy a proven operation without depleting personal savings. At Fen Advances, we broker business acquisition loans in Centennial by connecting buyers to lenders who disclose all origination fees, servicing costs, and prepayment terms before you commit, so you can compare the real expense of SBA 7(a) programs against conventional or bridge structures.
Path one: SBA 7(a) acquisition loans stretch repayment across ten years, reduce down-payment requirements to 10-15%, and cap seller-financed portions. Underwriting takes 45-90 days and requires tax returns, business valuations, and detailed transition plans.
Path two: Bridge or conventional acquisition financing closes in two to four weeks with fewer documentation hurdles but typically demands 20-30% down and carries shorter amortization schedules. Costs appear lower on paper, yet balloon payments or refinancing fees often surface later.
We help Centennial buyers model both routes side by side, itemizing every fee so you choose the structure that matches your timeline and capital position.
Lenders evaluate your management experience, the target company's trailing twelve-month cash flow, and collateral coverage. A manufacturing buyer near the Dry Creek corridor with two years of industry experience and a target showing steady EBITDA will present differently than a first-time franchisee acquiring a quick-service concept along Arapahoe Road. We gather financials, draft a transition narrative, and submit your profile to acquisition financing lenders who specialize in your industry and deal size.
Buyers use acquisition loans to purchase established service companies, retail franchises, light industrial operations near the I-25 tech corridor, and professional practices. One recent scenario involved a Centennial entrepreneur acquiring a local HVAC firm with twelve employees and multi-year service contracts; the seller stayed on for six months to transfer customer relationships while the buyer secured working capital to cover seasonal inventory swings.
How it works
Call (720) 970-3321 or visit our office at 9350 E Arapahoe Rd, Centennial, CO 80112 to discuss your target business. We request three years of seller tax returns, a purchase agreement or letter of intent, and your personal financial statement. Within five business days, we present lender options with itemized cost schedules. You compare offers, select terms, and we coordinate due diligence until closing. Our broker fee is disclosed in writing at the first meeting, never buried in loan documents.
Explore SBA 7(a) loans for longer amortization or review commercial real estate if the acquisition includes property. We serve Lone Tree, Greenwood Village, Highlands Ranch, and surrounding areas.
Serving the Centennial area
We know which lenders fund which kinds of Centennial businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Centennial owners trust Fen Advances
