Business Financing
Capital Solutions for Business Owners and Acquirers.
Whether you're acquiring a business, refinancing existing debt, or fueling growth, we help you access the right capital — from the right source — on the right terms.
Explore Your OptionsHow We Work
We broker, arrange, and refer — so you get the best fit.
Equity First works with a network of lenders, SBA-approved institutions, and private capital sources to match business owners and acquirers with financing that fits their situation. In some cases we arrange financing directly; in others we connect you with a trusted lending partner who specializes in your deal type.
Either way, you get the benefit of our experience structuring transactions — and our commitment to finding terms that actually work for your business.
Financing Solutions
Capital for every stage of your business journey.
Business Acquisition Loans
Financing structured specifically for buyers acquiring an existing business. We help you understand how much you can borrow, what lenders will require, and how to structure the deal to maximize your leverage.
- Conventional and SBA-backed acquisition financing
- Seller note structuring guidance
- Buyer qualification support
- Deal structure advisory
DSCR Loans
Debt Service Coverage Ratio loans are ideal for real estate investors and business owners whose income is generated by the property or business itself — not a traditional W-2 salary.
- No personal income verification required
- Qualification based on property or business cash flow
- Competitive rates for strong-performing assets
- Suitable for investment properties and commercial real estate
SBA Loans
Small Business Administration loans offer favorable terms for qualified borrowers — lower down payments, longer repayment periods, and competitive rates backed by the federal government.
- SBA 7(a) loans for acquisitions and working capital
- SBA 504 loans for real estate and equipment
- Guidance through the full SBA application process
- Lender matching for SBA-preferred institutions
Working Capital & Lines of Credit
Access flexible capital to manage cash flow, fund growth initiatives, cover seasonal gaps, or bridge a transaction. We connect you with lenders who understand business operations — not just balance sheets.
- Revolving lines of credit
- Short-term working capital loans
- Bridge financing for transactions
- Cash flow-based underwriting options
Why Work With Us
We know what lenders want — because we've been on both sides of the table.
Transaction Experience
With 30+ years closing business sales, we understand how financing fits into the broader deal structure — and how to position your request for approval.
Lender Relationships
We maintain active relationships with SBA lenders, conventional banks, and private capital sources across the Philadelphia region and beyond.
Aligned Incentives
We want your deal to close. Whether we're representing you as a seller, advising a buyer, or arranging financing, our goal is always a successful outcome for you.
Confidential Process
Every financing inquiry is handled with the same discretion we apply to our brokerage work. Your financial information stays private.
Common Questions
Financing FAQ
Requirements vary by loan type and lender. SBA loans typically require a minimum score of 650–680, while conventional acquisition loans may require 700+. DSCR loans focus more on the asset's cash flow than personal credit. We'll help you understand where you stand before you apply.
Most acquisition loans cover 70–90% of the purchase price, depending on the deal structure, the strength of the business's financials, and whether an SBA guarantee is involved. We'll work through the numbers with you during your consultation.
SBA loans typically take 60–90 days from application to close. Conventional loans can move faster — sometimes 30–45 days. DSCR and working capital products vary. We'll give you a realistic timeline based on your specific situation.
No. We work with existing business owners seeking working capital, lines of credit, or refinancing, as well as buyers acquiring a business. If you have a financing need related to a business, we want to hear about it.
Get Started
Tell Us About Your Financing Need
Complete the form below and one of our advisors will reach out within one business day to discuss your options.