Merchant Fund Express
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Funding to Buy Out a Partner

Keep the business you built. We review your deposits so you can pay a departing partner and keep running.

Explore Buyout Funding

Ownership: partner buyout

Take full ownership without a long bank process

When a partner wants out, timing matters. We review about three months of bank statements to size funding for the buyout, with the full repayment amount and schedule shown before you accept.

As fast as
24 hours

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.

Partner buyout funding, step by step

Quick to start, light on documents

A 5-minute application and about three months of statements. No tax returns. Qualified businesses can be funded in as little as 24 hours.

Flexible on credit

We consider FICO 500+ for the remaining owner and weigh the business's deposits heavily.

No surprises in the numbers

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

A schedule for life after the deal

The repayment schedule is laid out in the offer so you can plan operations after the partner leaves.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

When it is time to go separate ways

Partners retire, move, burn out or simply want different things. When one owner wants to keep the business and the other wants to cash out, the remaining owner needs capital to buy that share. Waiting on a bank can drag the process out for months, which is hard on everyone, including your staff and customers.

What to settle before you apply

  1. The price: agreed in writing, ideally with input from your accountant or a valuation.
  2. The structure: lump sum, or part now and part over time.
  3. The paperwork: your attorney drafts the buy-sell or membership interest purchase agreement.
  4. Signing authority: who controls the bank account during and after the transition.

A clear agreement makes the funding step much simpler.

How funders review a partner buyout

The review centers on the business itself: steady deposits, existing obligations and the trend over about three months of statements. Reviewers also consider how the business will look after the departing partner leaves. If that partner handled key clients or sales, a short note on who is taking over helps. The remaining owner's credit is part of the review, and FICO 500+ is considered.

Keep the business healthy after the deal

A buyout takes cash out of the business without adding revenue. That makes sizing important. Fund what the agreement requires and keep a cushion for operations. Some owners pay part of the price with funding and the rest on a seller note to the departing partner. For a full ownership change, see funding for a business acquisition or funding for new owners of an existing business.

Start the conversation

The 5-minute application uses a soft credit pull, needs about three months of statements and no tax returns. Qualified businesses can be funded in as little as 24 hours, and your offer lists the full repayment amount and schedule before you accept.

Frequently Asked Questions

Can business funding be used to buy out a partner?

Yes. Paying a departing partner for their share is a legitimate use of working capital. The review focuses on whether the business can carry the repayment.

Does the departing partner need to sign anything with you?

Requirements depend on how the business and its accounts are set up. Your attorney handles the buyout agreement, and we will tell you what we need for the funding file.

Whose credit is reviewed?

Typically the owner or owners who will remain with the business. FICO scores from 500 are considered, and we start with a soft pull.

Can I fund only part of the buyout?

Yes. Many owners fund part of the price and pay the rest over time to the departing partner. That can keep repayment more comfortable.

How much can I get for a buyout?

Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Partner share $150,000.00
Legal and closing $25,000.00
Operating cushion $45,000.00
Key hire replacement $38,000.00

Example uses for illustration only.

How to improve your chances

A cleaner transition makes the funding step smoother.

  • Get the buyout price agreed in writing
  • Have your attorney draft the agreement first
  • Update bank signers after the transition
  • Plan who takes over the partner's duties

Partner buyout funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Timeline
As little as 24 hours if qualified
Often months
Documents
About 3 months of statements
Valuation, returns, more
Credit
FICO 500+ considered
Strong credit expected
First credit check
Soft pull
Hard pull common
Cost shown
Full repayment in the offer
Varies

Own the business outright, on your terms

One secure application. A soft credit pull to start. No obligation to accept an offer.

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