When you're ready to buy an existing business or franchise in Kenosha, business acquisition loans provide the capital to close the deal and cover transition costs. Dawnfield Financial brokers SBA 7(a) acquisition loans, conventional term loans, and seller-financed structures that let you step into an operating company without draining personal reserves or equity lines.
How it works
Business acquisition loans fund the purchase of an existing company, its assets, customer lists, goodwill, and real estate, with repayment terms typically stretching five to ten years depending on collateral and deal structure. Unlike working capital or equipment financing, acquisition lending underwrites both the buyer's qualifications and the target company's historical cash flow, tax returns, and balance sheet. Lenders want proof the business generates enough profit to service new debt while supporting the owner's salary and growth investments.
We broker business acquisition loans in Kenosha through SBA 7(a) programs, which allow up to 90 percent loan-to-value on qualified deals, and through conventional lenders who move faster but require larger down payments. The SBA route works well when you're buying a Main Street business along 22nd Avenue or a light-industrial operation near the Metra corridor, because the guarantee reduces lender risk and stretches amortization. Conventional acquisition financing suits buyers with strong credit and liquid reserves who want to close in thirty days instead of ninety.
Lenders evaluate your personal credit score (typically 680 or higher), liquidity equal to at least 10 percent of the purchase price, industry experience, and a business plan that explains how you'll retain customers and staff through the transition. The target company must show consistent revenue, clean books, and a seller willing to stay on for training or consulting during the handoff.
Dawnfield Financial packages your application with three years of the seller's tax returns, profit-and-loss statements, a current balance sheet, lease agreements, and a valuation or broker's opinion of value. If you're acquiring a franchise near Pleasant Prairie or a family-owned manufacturer in Sturtevant, we include franchise disclosure documents or asset appraisals to satisfy underwriting checklists.
Buyers in Kenosha use acquisition financing to purchase:
- Established retail shops, restaurants, and service businesses along Sheridan Road - Manufacturing or distribution companies in the LakeView Corporate Park - Franchise units in Somers, Racine, or Mount Pleasant - Professional practices (dental, veterinary, accounting) with transferable client rosters - Multi-unit portfolios that include real estate and equipment
A small business acquisition loan can also fund inventory buyouts, transition payroll, and rebranding costs that arise during the first ninety days under new ownership.
Call our Kenosha office at (262) 261-9512 to start your acquisition loan package; we'll request seller financials, draft a sources-and-uses statement, and match your deal to SBA or conventional acquisition financing lenders within our network. We walk you through due diligence, explain how lenders calculate debt-service coverage, and coordinate closing timelines with your attorney and accountant.
Because we're a broker, not a direct lender, we present your application to multiple business acquisition lenders and negotiate terms on your behalf. We've closed deals for buyers taking over machine shops near Winthrop Harbor and cafes on 75th Street, so we understand how Kenosha's commercial real estate values and labor costs shape cash-flow projections.
Visit us at 3535 30th Ave, Kenosha, WI 53144 to review term sheets, compare SBA versus conventional structures, and map out your acquisition timeline. You can also explore our commercial real estate financing page if the deal includes property, or review working capital options to fund post-close operations. Browse our service areas page for details on Racine, Pleasant Prairie, and surrounding communities.
Serving the Kenosha area
We know which lenders fund which kinds of Kenosha businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
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Why Kenosha owners trust Dawnfield Financial
