Acquisition financing

Whether you’re about to take over a family business or preparing to buy a business, we can help.

Make an appointment
Or call us at 1-844-394-4494, options 4 and 1, Monday to Friday, 8 a.m. to 20 p.m. (ET).
Photo of two entrepreneurs discussing their acquisition financing needs
Photo of two entrepreneurs discussing their acquisition financing needs

Obtain financing and advice

Services for buyers and sellers

Our business transfer experts provide assistance and support for buyers and sellers alike, every step of the way.

 

  • For buyers: Our experts will help you choose a financing structure that ensures the growth and success of your business.1 
  • For sellers: From the time you start thinking about it until you sign the Business Transfer Agreement, your Business Transfer Manager will work closely with your Account Manager to provide guidance and support, particularly by referring you to appropriate specialists such as tax experts, accountants, lawyers, notaries and appraisers.

Sources of financing:

  • Term financing secured by assets (buildings, equipment, etc.)1
  • Cash flow financing

Cash flow financing

This type of financing1 allows businesses that do not have sufficient tangible assets or have only intangible assets to finance an acquisition. Cash flow financing is based on the company's capacity to service debt and cover other fixed charges. 

It can be very helpful for companies that meet certain conditions, including:

  • Reasonable acquisition price based on the valuation method used.
  • Proven capacity to generate enough profit to cover debt service obligations and capital expenditures.
  • Ability to return to a sound debt structure within a reasonable timeframe. 
  • Competent management.
  • Involvement of seller (during transition). 
     

Advantages2

  • Business transfer specialists to support you throughout the process.
  • Possibility of deferring payment on principal for up to one year.
  • Flexible amortization periods. 

Did you know?

National Bank has facilitated over 1,500 business transfers since 2010.3

Make a successful acquisition with our tips in 4 steps

Consult our Make a successful acquisition guide created in collaboration with HEC Montréal.

 

Here’s an overview of the advice you can find:

1. Before the acquisition: Take your time

2. During the acquisition: Do in-depth analysis

3. During the acquisition: Negotiate and finance

4. After the acquisition: Quickly assume leadership

Download the guide

Helpful services

Business transfer

Are you planning on transferring your business to a family member or to senior management?

Global Trade Solutions

Is your business ready to go international?

Newsletters for businesses

Do you like to keep a close watch on economic news?

The little details that matter

  1. Financing solutions are subject to credit approval by National Bank of Canada.

  2. For applicable restrictions, visit a branch and meet with a Commercial Banking Manager.

  3. Source: Internal statistics, National Bank.