Creative financing with no money down

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by a professional from Emory University
in Atlanta, GA, USA

2yrs ago

Creative financing with no money down

Has anyone done/have experience in doing an acquisition with no money down? What was the deal structure like? Are there lenders or networks that are available that would support this deal structure?

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reply by a searcher 2yrs ago
from University of Engineering and Technology Lahore in Toronto, ON, Canada

We acquired a HVAC business in Canada last year over 95% sellers note 2.6 mill Rev. We provided a small payment but used it as working capital. There was no need of a lender. Some lenders can consider a subordinate interest only sellers note as equity though. A large sellers note deal wouldn't be possible without a great relationship with seller.

reply by a searcher 2yrs ago
from Harvard University in Washington, DC, USA

I’ve done 3 of them since 2022. $37m in aggregate ($16m, $6.25m, $15m) EV. Not a penny from me or my partner. Seller notes $6m earn outs $3m and sr debt $28m. Nothing creative. Just need to find the right bank, be in the right market, and have a serious management team.