Finance a business purchase
Two questions we hear every week. Start with yours.
Free to use, nothing to sign up for.
Indicative ranges only, never a credit decision.
Complex deal
Complex deals are why we do what we do.
At this size the funding market changes. More lenders in the mix, different structures, and terms that are negotiated rather than published. A calculator will not do it justice, and a first conversation costs nothing.
Book a 30-min call
Estimated funding range
$0
Monthly repayment
$0/mo
at the top of your range
The stack
A stack with this many moving parts usually gets won or lost on how the layers rank, which is exactly what we walk through on a call.
The same model, re-run with one change at a time. This is the conversation FGO Finance Group has with you before an application goes anywhere near a lender.
How a lender reads your deal
Cover, DSCR
reference 1.5x
LVR
debt against price
Debt to EBITDA
reference 2–4x
Equity in
of purchase price
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Bring these numbers to a call and we will tell you which lenders are likely to fit, and how to package the file.
Book a 30-min callCharacterYour track record and why a lender backs you to run it.
CapacityWhether the earnings service the debt, at rate and stressed.
CapitalHow much real money you bring, and where it sits in the stack.
CollateralWhat secures it, and how a lender values that security.
IndustryWhich lenders lean into your sector, and how they weigh its risk.
Working capitalWhether you need an overdraft or line to trade the business from day one.
A read on shape, not a credit decision. Every figure here is indicative only.
This calculator provides estimates only. Results are based on the information you enter and the general assumptions used in this model. They do not constitute an offer of credit, a credit assessment, a pre-approval, or financial advice. Actual borrowing capacity depends on the lender’s credit policies, verified financials, security and structure, and can differ materially from these estimates. It sizes debt against the purchase price only and excludes working capital, transaction costs, stamp duty and stock at valuation; secured figures assume adequate, unencumbered property security is available. FGO Finance Group Pty Ltd: Jonathan Chan is a Credit Representative (Credit Representative Number 559372) of Finsure Finance and Insurance Pty Ltd, Australian Credit Licence Number 384704.