Small Business Acquisition Loans

Enabling Entrepreneurship through Acquisition in Minnesota.

Over the years, we have helped many entrepreneurs skip the startup and buy a business with flexible and creative financing options.

Helping You Become the CEO of a Growing Business

Providing access to capital through our customized lending solutions has been helping entrepreneurs acquire C-Suite status for years. We've been in the acquisition space ourselves, so we know how fluid the process can be. We also know that opportunity should come with options. That's why we don't lend in a box.

We promise:

Acquisition term loans based on enterprise value.
An executive loan committee who understands the search fund model.
Diverse capital structures.
A streamlined underwriting and due diligence process.
Hands on support in the transition of depository accounts and treasury management services.

Investing in You from Letter of Intent to Final Close

Whether you are looking to pursue your first lower middle market acquisition, expand your existing investment portfolio, or consolidate existing debt, our team of experienced acquisition lenders will provide customized solutions and support from Day 1.

Because the acquisition journey can be fraught with unexpected challenges, especially for first-time investors, we work side-by-side with you on your small business acquisition transaction. From drafting the LOI to closing day, we are there for everything in between, and everything after. Our partnership doesn’t end once a deal is done. Security continues to invest in your business growth through a variety of strategic financing decisions. This can include lines of credit, equipment loans, treasury management, SBA loan refinancing, and more.

If you are a Searcher or CEO looking for a trusted advisor and advocacy across industries, you've got a banking partner in us.

Your Acquisition Loan Capabilities

Security's lending team helps our diverse client base thrive by supporting them throughout the small business acquisition financing process with their various acquisition financing needs. This includes:

Commercial Real Estate Purchase

If you are considering a real estate purchase as part of the acquisition, we've got you covered. Buying your business's real estate location can provide more space for growth and allow for more permanence in the real estate costs of your operation.

Cash Flow Management

Cash flow financing allows you to borrow against your accounts receivable, equipment, and your enterprise value to smooth cash flow outflow and inflow. With cash flow covered, you can maximize time dedicated to improving sales and keeping day-to-day business operations flowing.

Insight and Connections

We're building a community of individuals equipped with acquisition experience, knowledge, and networks so we can help you understand the M&A landscape and make decisions with confidence.

Building Your Portfolio

We provide stage-specific banking and lower middle market loan options to help your small business reach their next milestone faster. We've done everything from new to add-on acquisitions, allowing you the capability and flexibility to grow.

We have a proven track record of helping entrepreneurs succeed.

John Sturgess - Steel Dog USA, LLC.

When considering purchase of Steel Dog USA, LLC., Ken Munroe... and other bank executives were helpful in understanding my banking needs and closing the deal.

Dr. Robert Bodin - Gentle Dentistry

As a new customer, Security has come to the table and provided all of the cash management services our company needs.

Ready to talk with an Acquisition Loan Expert?

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Commercial Loans

When you’re ready to acquire a business, finance equipment, open a new location, expand an existing one, or build inventory to meet your growing customer demand; Security Bank & Trust Co. is ready to help. We offer a full range of credit and deposit solutions designed to meet the needs of your business. All backed by personalized service from experts as invested in your success as you are. Learn everything you need to know in our:

Guide to Business Loans

Guide to Treasury Management

SBA Loans

Every business has times when it needs some support. Maybe a lower down payment, longer fixed rates, or something different all together. The Small Business Administration provides guaranty support so your business can stretch more and go farther. Security Bank's experience in working with Community Development Corporations on SBA 504 loans and SBA 7a applications provides your business with more options.

7(a) Loan

The SBA 7(a) Loan Program includes financial help for businesses with special requirements — including businesses that handle exports to foreign countries, businesses that operate in rural areas and other very specific purposes. Loan proceeds can be used to create a new business or to help with the acquisition, operation, or expansion of an existing business.

504 Loan

The SBA 504 Loan Program is a powerful economic development loan program that offers small businesses with long-term, fixed-rate financing for acquiring fixed assets for expansion or modernization — including building purchase, land purchase, and land improvements, as well as purchasing furniture, machinery, and equipment.

Security offers long-term Minnesota business loans, with a negotiated interest rate, as a 1st mortgage/lien to complement the SBA 504 program financing.

For more information on SBA loans, visit our:

Guide to Business Loans

Guide to SBA 7a and 504 Loans