Would 100% funding be possible?

July 16, 2025

by a searcher from Wilmington College in Philadelphia, PA, USA

I'm an operator with 2 businesses, I'm looking to acquire a third business(gas station), I would like to get it funded 100%(non SBA or private funding). The deal includes real estate. Is it possible to get 100% funding? If yes, how difficult is it? TIA

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Reply by a searcher
from Harvard University in Colorado Springs, CO, USA

I agree that the expansion SBA loan can finance 100%. However, I accidentally financed 100% of my first transaction. It was a landscape design/build company that had a lot of deposits, so I actually got a credit at closing for 4x what my equity injection would have been.

Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA

Generally speaking, the only option available for 100% financing for a business acquisition is using the business expansion program of the SBA 7A loan program, which will allow you to finance 100% of the acquisition cost for another business in the same NAICS code as an existing business you operate out. Without using the SBA 7A loan program, the only way to get a conventional or non-bank lender to finance up to a 100% of the current purchase would be if you had outside collateral you could pledge in lieu of a down payment, or you have another business owned debt free that could back the loan and pledge its assets to help secure the loan. Then it might be possible so long as the cash flow and equity in the other business more than covers that business and the required down payment. If you would like to discuss you can reach me here or directly at redacted

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