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Financing to buy a business

Simulate how you could structure the acquisition between equity, deferred payment to the seller and external financing.

Simulate the purchase structure

Taxes, registrations, advisory or other deal costs. Optional.

Scenario A

Hypothetical amount to negotiate with the seller.

The rate you want to test. We do not suggest rates.

Fill in the values to see the result.

Illustrative calculation only. It is not a financing offer, an indication of eligibility or a prediction of approval. Actual terms depend on the review and offer of the parties involved.

How an acquisition can be structured

Own funds
The part of the price and costs paid directly by the buyer.
Deferred payment to the seller
Where negotiated, part of the price can be paid after the acquisition is completed.
External financing
Bank debt or other forms of financing assessed by independent institutions.
Other structures
Earn-outs, investors or combinations of these sources can be relevant in some deals.

Full guide: how to finance the purchase of a business

How it works

  1. Simulate

    Enter the price and the funds available.

  2. Compare scenarios

    Test different combinations of equity, seller part, rate and term.

  3. Request an assessment

    Once the service is available, you will be able to send the scenario to an independent partner for assessment.

What to have ready

  • Acquisition price or price range
  • Equity available
  • The company's revenue and EBITDA, if known
  • Intended deal structure
  • Timing of the purchase
  • Relevant experience

Frequently asked questions

Does Comprar Empresa provide financing?

No. Comprar Empresa provides the simulation tool and, once the service is active, can forward requests to independent partners.

Does the simulation mean the financing will be approved?

No. It is only an illustrative scenario. Actual terms depend on the assessment and offer of the institutions involved.

Can I buy a business without paying the full price at completion?

Deferred payment to the seller, an earn-out or other structures can be negotiated, depending on the deal.

Is deferred payment to the seller guaranteed?

No. It always depends on the negotiation and the contract between the parties.

How much equity do I need?

It depends on the business, the deal structure and the lenders' criteria. The tool lets you test different scenarios; it does not set a universal minimum.

Which businesses can be financed?

It depends on the lender's assessment and on the characteristics of the deal. No single criterion guarantees financing.

Can I talk to someone about financing?

Financing assessments by partners will be available soon.