Ecommerce Lending
Acquisition financing$750K to $250M

The capital behind serious acquisitions.

We source and structure acquisition financing for ecommerce, SaaS, and digital operators. SBA, institutional, and flexible capital partners — all under one intake.

$1B+
Funded across 500+ acquisitions
98%
Approval rate for qualified buyers
$250M
Maximum deal size — SBA to institutional
DTC Apparel Acquisition
Target$16.1M

Submit your profile. We assess fit on the file you send — no credit pull.

Capital Structure
Senior
49%
Equity
27%
Note
15%
Earnout
9%
DSCR
>1.25×
Leverage
≤4.5×
To close
Day 0
≤30 days
Active across500+ deals closed
Quiet LightEmpire FlippersFlippaWebsite ClosersSMB Deal HuntersDigital ExitsLatona'sAngoraQuiet LightEmpire FlippersFlippaWebsite ClosersSMB Deal HuntersDigital ExitsLatona'sAngora

The right deal structure
for every acquisition.

Every deal routes through a single point of contact.
We only recommend programs that fit.

Program 01
SBA 7(a)

Highest leverage for smaller acquisitions

Up to $5M
Per 7(a) transaction
90%
leverage on qualifying SBA acquisitions
Multi-month
process: SBA underwriting and close window
98%
approval rate on qualified buyers
Built for buyers who want maximum leverage and the lowest rates the market offers.
Program 02
Flex Program
New

Speed and flexibility without SBA constraints

$750K to $10M
Institutional and private credit
Faster
lender-driven timeline vs. SBA
No PG
required on most structures
Flexible
covenants and use of proceeds
For foreign operators, complex structures, or tight timelines, Flex gets the deal done when SBA won't fit.
Program 03
Capital Access

Institutional capital for serious transactions

$10M to $250M
Senior, mezzanine, preferred equity
Multi-month
marketed institutional process
Layered
senior, mezz, and preferred equity
$1B+
placed across 500+ deals
For lower-middle market operators acquiring meaningful businesses. We assemble the full capital stack.
The process

On your side of the table.

One senior advisor runs your file from intake to funded. No handoffs. No restarts.

  1. 01
    Prequalify

    We build your buyer profile and match to programs.

    You submit your background, liquidity, and target deal size. Within a day, we return a written assessment of which programs fit and which don't. No obligation, no credit pull.

  2. 02
    Consultation

    A senior advisor walks the deal end-to-end.

    Thirty minutes on the phone with a decision-maker. We pressure-test your thesis, talk through platform risk and add-backs, and draft a structure before the LoI ever hits the seller's inbox.

  3. 03
    Structure

    We shop, structure, and stress-test the capital stack.

    Senior debt, mezzanine, and seller paper. We assemble the terms across our lender network, return a firm term sheet, and manage the intercreditor conversations so the stack closes clean.

  4. 04
    Close

    Diligence, docs, and disbursement.

    Our closing team drives the SBA authorization, legal coordination, and security filings. You focus on the business you're about to own.

No handoffsone advisor, start to finish
No credit pullon prequalification
Start with a prequalification

Hear from buyers who closed.

They didn’t sell us a loan. They sold us a structure, and then they built it.
Jennifer L.
Flex Program · $4.1M agency acquisition
Case 01SBA 7(a)
$3.2MHome services acquisition

They ran point on every call with the lender. I kept focus on the business and they landed terms I didn't think were possible for a first-time buyer.

Marcus W.
First-time acquirer
Case 02Flex
$6.8MDTC brand roll-up

The Flex structure let us skip the personal guarantee entirely. Nobody else in the market quoted that.

Priya R.
Holdco operator
Case 03Capital Access
$42MSaaS platform

We needed a senior + mezz stack on a 45-day clock. They assembled it, negotiated the intercreditor, and closed on day 43. Professional operation.

Daniel K.
PE sponsor
The Portal

A streamlined portal that gets deals done.

Phase tracking, deal structure, document vault, and a dedicated advisor. One workspace from inquiry to close.

Personalized, start to finish

A dedicated Ecommerce Lending advisor lives inside your portal, not a ticket queue. Messages, reviews, and approvals share one thread, not five inboxes.

Every document, one place

Upload once, share never. Your P&Ls, tax returns, and bank statements stay in your secure vault. Your advisor requests what's needed and tracks what's done.

Vetted deals, ready to structure

Browse ecommerce businesses available for acquisition. Filter by revenue, multiple, and category, then start a deal directly from the listing.

From search to acquisition, one team carries the deal.

Search, advisory, and financing under one roof — one contact carries the deal from first call to funded close. No handoffs, no restarts.

Services
  1. Search

    Off-market sourcing, before anything lists.

    Owner-direct outreach, pre-listing broker access, and thesis-fit screening — you're talking to sellers before the deal is ever listed.

    • Thesis brief
    • Owner outreach
    • Broker channel
    • Thesis-fit memo
  2. Advisory

    From signed LoI to funded close.

    LoI structuring, QoE coordination, seller negotiation, and close management. You bring the target; we bring it home.

    • LoI & redlines
    • QoE coordination
    • Diligence orchestration
    • Close management
  3. Financing

    Capital stack, engineered to close.

    Every engagement starts with a day-one financing read — no extra fee, no separate lender. SBA 7(a), Flex, and Capital Access, structured around your deal.

    • SBA 7(a)
    • Flex Program
    • Capital Access
    • Structured debt
Common questions

The questions every buyer asks.

Eight of the most common questions we field on SBA, Flex, and institutional acquisition financing. The rest, we answer on the first call.

  • An SBA 7(a) loan is a government-guaranteed term loan used to buy an existing business. It's the most common acquisition financing structure for ecommerce, SaaS, and digital operators in the $750K–$5M range, with up to 90% leverage on purchase price, 10-year amortization on goodwill, and a personal guaranty from the buyer.

Next step

The next
deal is yours.

Know what you qualify for before you commit. A written program match, reviewed personally by a senior advisor.

No obligation
No credit pull, no commitment
Senior advisor
Not a rep. An actual decision-maker.