Business Acquisition Loans in Lexington-Fayette.
Financing to buy an existing business or partner buyout. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.
- Amount
- $150,000 to $5,000,000+ (SBA and conventional).
- Term
- Up to 10 years (typically SBA 7(a)).
- Best for
- Buyers purchasing an existing profitable business.
- Coverage
- Fayette + Bluegrass
Locally rooted
Based on Harrodsburg Road in Lexington.
Advisor-led
Real people who guide you through every option.
Wide lender network
Access to bank, SBA, and alternative funders.
Transparent process
Clear terms — no payday-style shortcuts.
The program
What business acquisition loans actually is
Acquisition loans finance the purchase of an existing business, including partner buyouts and family successions. Most Kentucky deals under $5M are structured through SBA 7(a), which allows longer amortization and often includes working capital in the same loan.
Who it fits in Lexington-Fayette
- Operators buying an existing Lexington-area service business
- Employees purchasing from a retiring owner
- Partners buying out a co-owner
Common uses
- Purchase price and closing costs
- Working capital for the first 90 days
- Retention of existing equipment and inventory
What lenders review
Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:
Advisor-led, not order-taker.
Acquisition financing lives or dies on how the seller's numbers are presented. We help package the file, coordinate with the buyer's CPA, and match the deal to lenders that fund your industry.
Explore next
Related Lexington-Fayette programs
City Hub
Every Pemberton Lenders loan program available to Lexington-Fayette businesses — SBA, working capital, equipment, real estate, and more.
SBA Loans
Long-term, lower-rate funding backed by the Small Business Administration. Advisor-led sba loans guidance for Lexington-Fayette business owners.
SBA 7(a) Loan
The SBA's flagship program for general small business financing. Advisor-led sba 7(a) loan guidance for Lexington-Fayette business owners.
Business Line of Credit
Revolving capital you draw from as opportunities and needs arise. Advisor-led business line of credit guidance for Lexington-Fayette business owners.
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