Business Acquisition Loans in Aurora, CO
Business acquisition loans finance the purchase of an existing Aurora or Denver-metro business — a partner buyout, an owner retiring out, or an add-on acquisition to your existing company. Marquette Capital Group specializes in acquisition financing under the SBA 7(a) program, which is uniquely well-suited to buying operating businesses.
A typical structure: 10% buyer equity, 10% seller note on standby, 80% SBA loan at up to 10-year amortization. That's a fraction of the down payment a conventional business acquisition loan would require, and terms that actually let the business cash-flow the debt.
We package acquisitions locally. That means real due-diligence support, real coordination with the seller and their broker, and — critically — a term sheet you can rely on before you go under LOI.
- Partner buyouts inside an existing business
- First-time owners acquiring a stabilized Aurora company
- Add-on acquisitions for existing operators
- Baby-boomer succession sales in the Denver metro
- Buying a business along with its owner-occupied real estate
- 10% cash equity injection from buyer
- Personal FICO 680+ preferred
- Industry experience relevant to the target business
- Target business with 3+ years of positive cash flow
- Reasonable purchase price supported by an SBA valuation
From intake to funded in four steps.
“The most common acquisition-financing mistake is under-negotiating the seller note. A seller note structured as SBA-eligible standby debt can meaningfully reduce your out-of-pocket. We'll coach you through structure before you sign the LOI, not after.”
Questions Aurora operators actually ask.
How much cash do I need to buy a business?+
10% of the purchase price is the SBA minimum equity injection, sometimes reducible to 5% with a seller note on 2-year full standby.
Do you finance seller carrybacks?+
Yes. In fact, many of our acquisition files include a seller note that stacks on top of the SBA loan. Structure matters — we help negotiate it.
How is the target business valued for the loan?+
The SBA requires an independent business valuation for acquisitions over $250K. We coordinate a qualified appraiser familiar with the Denver metro.
Can I finance an acquisition with real estate included?+
Yes. When the acquisition includes owner-occupied real estate, the real-estate portion can stretch to a 25-year term while the goodwill/business portion amortizes over 10.
How long does a typical acquisition take to close?+
60–90 days from LOI to funding is normal, driven mostly by the valuation and legal work. We can push some files to 45 days when the seller is organized.
Talk to Aurora about business acquisition loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.