You bought a running business. We review how it is performing under you, starting with your recent bank statements.
Apply as OwnerNew Ownership Funding
Equipment, inventory, a refresh of the space: new owners often inherit a to-do list. Funding from $25,000 to $5,000,000 for qualified businesses.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five-minute application, about three months of statements. No need to dig up the seller's returns.
FICO 500+ considered. The business's deposits under you are weighed alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can plan it with your seller note.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
The first few weeks after a purchase are often messy. The old merchant account closes, a new one opens, vendors update payment details, and deposits may land in two places for a while. If you can, let a few clean months build up in the account you control before you apply. If the need is urgent, apply anyway and explain the transition: when you took over, which account the deposits moved to, and whether anything changed with customers or staff. A reviewer reading a transition with that context sees a business changing hands, not a business in trouble. Partner buyouts within an existing business are a related case worth mentioning if that is your situation.
Buying a running business is not the same as starting one. The customers, the location and the deposit history already exist. The question a funder asks is how much of that history carries over to you, and how the business has performed since the keys changed hands.
We are built for established businesses with steady deposits, and a recent ownership change does not by itself rule that out.
If you have only a short history in a new account, see funding with a new business bank account.
New owners often need cash for things the old owner put off: equipment that is past due for replacement, a refresh of the space, a marketing reset, or inventory to rebuild depleted stock. Equipment financing, working capital and a business line of credit are typical fits. If you are still in the process of buying, read funding for a business acquisition.
For illustration: an owner who bought a dental lab four months ago has three full months of statements under the new account, a seller note payment, and steady deposits. That is a reviewable file. Bring about three months of business bank statements, note the purchase date, and apply. It takes about five minutes, starts with a soft credit pull, and needs no tax returns.
It can provide context, but funders focus on how the business has performed under you and the deposits in the account you control.
We review about three months of business bank statements. If your ownership is shorter, tell us and we will look at what is available.
Yes. Payments on a seller note or acquisition loan are existing obligations, and the amount depends partly on what you already owe.
Yes. Sole proprietors can apply.
No tax returns are required. Your recent business bank statements are the core of the review.
Example uses for illustration only.
New owners can strengthen a file with a few early moves.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding