Business and franchise acquisition loans are specialized loan structures that provide capital for purchasing an existing business or franchise unit. Lenders evaluate the target business’s cash flow, profitability, assets, and the borrower’s experience when underwriting the loan. These loans may be structured through conventional financing, SBA-backed programs, or seller-financed combinations. The goal is to fund the transition of ownership while preserving the operational health of the acquired business.

If you are ready to take ownership of a proven business or expand into franchise operations, this type of loan allows you to make the leap without depleting your own resources. It lets you invest in an established brand, trained staff, and a working customer base from day one. Instead of building from scratch, you can focus on scaling something that already works—turning momentum into long-term growth.

At Aranea Capital, we help you prepare, package, and present your acquisition plan to lenders who understand the nuances of buying businesses. We connect you with funders who look beyond credit scores and prioritize viable business models, transition support, and long-term sustainability. Whether you are buying your first franchise or acquiring a new revenue stream, we are your partner from first meeting to final closing.