73% of small business acquisitions in California close within 90 days when financing is secured in the first 30. Elmfield Business Capital brokers business acquisition loans in Antioch for buyers seeking to purchase existing companies, franchises, or ownership stakes.
Business acquisition loans finance the purchase of an existing operating company, its assets, customer contracts, and goodwill. Buyers typically use these loans to acquire manufacturing shops along Auto Center Drive, established restaurants in the Deer Valley corridor, or service franchises expanding from Brentwood into Antioch. Lenders evaluate both the target company's historical cash flow and your management experience. Loan proceeds pay the seller directly at close, and repayment terms stretch 10 to 25 years depending on asset mix and program type.
Lenders require buyers to inject 10% to 20% equity, demonstrate industry experience or transferable management skills, and show the target business generates sufficient cash flow to service debt. A creditworthy personal guarantee is standard. If you're buying a logistics company near the Port Chicago Highway junction or a retail franchise in Hillcrest Plaza, underwriters will review three years of the seller's tax returns, a current balance sheet, and your business plan. Collateral usually includes the purchased assets, real estate if included, and sometimes a subordinated seller note.
We start with a 20-minute discovery call at our Sunset Lane office or by phone at (925) 502-2438 to understand your target, timeline, and down payment. Within 48 hours we present a comparison of SBA 7(a) loans and alternative acquisition financing lenders, highlighting speed-to-funding trade-offs. We pre-package financials, draft the business plan narrative, and shepherd your file through underwriting while you negotiate purchase terms. Because Antioch buyers often compete with cash offers from Bay Area investors, we prioritize lenders who issue commitment letters in two weeks and fund within 45 days.
Example: A Pittsburg entrepreneur approached us to acquire a 30-year HVAC contractor whose owner was retiring. The business served Antioch, Oakley, and Brentwood with steady commercial maintenance contracts. We brokered an SBA 7(a) acquisition loan covering 80% of the purchase price, structured the seller to carry a 10% note, and the buyer closed in 38 days, fast enough to retain the departing owner for a 90-day transition.
- Purchasing a competitor to consolidate market share in East Contra Costa County - Buying into a partnership of an established Antioch family business - Acquiring a franchise territory covering Antioch, Bay Point, and Bethel Island - Financing a management buyout when the current owner exits
How it works
Schedule a consultation at 3731 Sunset Ln, Antioch, CA 94509 or call (925) 502-2438. Bring the seller's profit-and-loss statements, your personal financial statement, and the draft purchase agreement. We'll confirm your equity position, model debt-service coverage, and submit to our network of business acquisition lenders and SBA-preferred partners. You'll receive a term sheet within one week if the deal structure is sound. We coordinate appraisals, environmental Phase I reports if commercial real estate is included, and final conditions so you close on schedule.
What is a business acquisition loan? A business acquisition loan provides capital to purchase an existing company, franchise, or ownership interest. The loan is secured by the acquired assets and repaid from the business's ongoing cash flow over 10 to 25 years.
How much equity do I need to buy a business in Antioch? Most acquisition lenders require 10% to 20% down payment from the buyer. SBA 7(a) programs may accept 10%, while conventional acquisition financing lenders typically ask for 15% to 20% equity at close.
Can I use an acquisition loan to buy a franchise? Yes. Franchise acquisition financing is common for buyers entering established brands. Lenders review the franchisor's Item 19 disclosure and your liquid net worth to ensure you meet brand standards and debt-service requirements.
Serving the Antioch area
We know which lenders fund which kinds of Antioch 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 Antioch owners trust Elmfield Business Capital
