Need business acquisition loans in Fort Collins? Acquisition financing helps you purchase an existing business, franchise, or competitor.
Business acquisition loans fund the purchase of operating companies, customer lists, physical assets, intellectual property, and real estate tied to the business. You're buying revenue, not building it from scratch. Lenders finance 70 to 90 percent of the purchase price depending on the target's cash flow, your down payment, and the structure. The loan sits on your balance sheet, secured by the acquired assets and often a personal guarantee. Repayment terms stretch five to ten years for most deals, sometimes longer when commercial real estate anchors the transaction.
Fort Collins sees steady turnover in light manufacturing, craft beverage operations, and professional-services firms along the College Avenue and Harmony corridors. Owners retire or relocate, and qualified buyers step in. Speed matters because sellers field multiple offers, and the buyer with committed financing wins.
Lenders want to see industry experience, a credible down payment (usually 10 to 20 percent), and proof the target business generates consistent cash flow. Your personal credit history matters, but the seller's trailing twelve months of revenue and profit carry more weight. If you're buying a franchise, the franchisor's Item 19 disclosure and your net worth come under scrutiny.
Driftwood Advances works with acquisition financing lenders who understand Northern Colorado's economy. We place deals for buyers targeting breweries near Old Town, veterinary practices in Timnath, HVAC contractors serving the Front Range, and retail concepts in the growing south end of Fort Collins. If the business has been profitable for at least two years, you'll find options.
How it works
Call (970) 550-5802 with the seller's name, asking price, and trailing financials. We'll ask about your liquidity, your background in the industry, and your timeline. Within one business day, you'll know which lenders will compete for the file. We submit your package to multiple acquisition loan sources at once, so you see term sheets side by side instead of chasing banks one at a time.
You supply tax returns (personal and business if you already own one), a purchase agreement or letter of intent, and the target's profit-and-loss statements. We handle underwriting questions and keep all parties moving. Closing happens in two to six weeks depending on the structure and whether SBA 7(a) loans enter the mix.
Visit us at 301 Remington St, Fort Collins, CO 80524 if you prefer to review documents in person. No appointment required during business hours.
A Fort Collins operator wanted to acquire a competitor's commercial real estate and client contracts in Wellington. The target served agricultural accounts north of Prospect Road and held long-term service agreements. The buyer brought industry credentials and 15 percent down. Driftwood Advances matched the file with a lender offering a ten-year term and a 90-day rate lock, closing before harvest season. The deal preserved jobs and doubled the buyer's service radius overnight.
Loan programs
When acquisition financing alone won't cover the full capital stack, buyers layer in working capital loans to fund inventory or receivables during transition. Sellers sometimes carry a note for part of the price, and bridge loans fill timing gaps. Invoice factoring can smooth cash flow in the first six months under new ownership.
Browse all Fort Collins business loan programs or check our service areas across Larimer County.
Related programs
Serving the Fort Collins area
We know which lenders fund which kinds of Fort Collins businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
