Acquisition Financing
Printing &Marketing Services
Florida
Acquisition financing for
For Buyers
You found the business. We help you get the financing to close it.
We broker SBA and conventional financing for buyers acquiring small businesses, matching you with the right lender, structuring the deal to fund, and getting you to the closing table.
- 40+ lenders competing for your deal
- Led by a former M&A attorney with $485M+ in deal experience
- Free, full-service loan packaging
- Pre-LOI debt reads at no cost to you
Loan brokerage services provided by BayCoast Capital, LLC.
40+
Lenders in Network
35+
Clients Served
7
Days Avg. to Term Sheet
Not financing a specific deal yet? Add yourself to our buyer roster instead → Register as a Buyer
Considering a deal? Get a pre-LOI debt read first.
Most buyers come to a lender after they've signed an LOI. By then, the structure of the deal is locked and the wrong structure can mean the difference between a lender funding your acquisition and walking away. We do free pre-LOI debt reads so you understand exactly what's fundable, what isn't, and how to structure the LOI you sign so the financing actually closes.
What We Finance
Whatever your deal needs.
BayCoast structures and places the debt that gets acquisitions to the closing table. Most buyers come to us for SBA 7(a) acquisition financing. We also place conventional debt and creative structures when SBA isn't the right tool for the deal.
SBA 7(a) Acquisition Financing
Up to $5M for business acquisitions and partner buyouts.
Pari-Passu Structures
Conventional and SBA financing working together on the same deal.
Conventional & Non-SBA Debt
When SBA isn't the right structure for the deal.
SBA Refinancing
Refinancing your existing SBA loan with a new, lower rate loan.
Recent Closings
A sample of recently closed acquisitions.
Real deals, real outcomes. Across industries, deal sizes, and structures.
Acquisition Financing
Manufacturers'Rep Agency
North Carolina
Acquisition financing for
Individual Buyer
Acquisition Financing
FamilyEntertainment Center
California
Acquisition financing for
Acquisition Financing
Residential HVAC
Florida
Acquisition financing for
Acquisition Financing
Senior HomeCare Services
Florida
Acquisition financing for
Individual Buyer
Acquisition Financing
Pool Service& Repair
Florida
Acquisition financing for
Individual Buyer
As Seen At
What Makes BayCoast Different
Built for buyers who need to actually close.
The lender will fund the deal that's structured to fund. Our job is to make sure your deal is one of them.
40+ Lenders
Lenders compete for your deal. More options means better rates, better terms, and faster approvals.
100% Free for Borrowers
No upfront fees, no exclusivity. Lenders pay us only when your deal closes. Zero cost and zero risk to you.
Pre-LOI Debt Reads
We help you understand what's fundable before you sign the LOI. Most buyers learn this the hard way.
Fast Term Sheets
Our lenders compete and move quickly. 7-10 days from package to term sheet on most deals.
All Deal Structures
Pari-passu deals, investor-heavy deals, full standby seller notes, low personal liquidity — we've structured them all.
Full-Service Packaging
From first call to funding, we do the work. Loan packaging, lender matching, underwriting support, closing coordination.
$485M+ in M&A Transactions
Meet Your Financing Lead
The person you'll actually work with.
Drew Eckman
Principal, BayCoast Capital, LLC — your single point of contact
Drew leads BayCoast's acquisition financing practice and he's the person you'll work with, from first call to funding. He began his career as an M&A attorney, executing $485M+ in transactions, then moved to the operating side of small businesses, helping raise a $37M Series B and scaling revenue nearly 10x in the HVAC industry. Today he packages and places lower-middle-market acquisition debt, with a current, granular view of what lenders actually fund, where deals stall, and what it takes to close. He's also a deal coach for business buyers through SMBootcamp.
Former M&A Attorney$485M+ in TransactionsMBA, UCLA AndersonJD, UofL Brandeis
What Buyers Say
From buyers who've been through it.
"Drew connected me with a fantastic lender who gave me the best terms I could have possibly had. There's no downside to working with a broker. You don't pay them anything, and nothing beats a competitive marketplace for terms. It's a smart approach."
Daniel Batista
Owner at Candeeland Kids Downey
"He got multiple lenders interested right away, which gave me real options to compare and helped me lock in great terms. I always felt like I had someone in my corner."
Joel Valdez
Business Acquirer
"I wish ¼ of the people I work with were as helpful as Drew. He is fantastic and just as, if not more knowledgeable, about the SBA as the bank loan officers. The work he did on the back end to prepare my loan for review took a lot of work off my plate and made what we presented to the banks extremely professional."
Fred Daum
Owner at MBA Marketing
"Within just 48 hours, they delivered multiple competitive SBA term sheets, including one at an exceptional 7.5% fixed rate. They know all the right lenders and how to get deals done fast."
John McLeod
Owner at Champion Concrete Cutting
"Many lenders didn't want to touch my especially challenging deal. But Drew did an amazing job of solving each challenge, and I ended up with several good offers. I'd use Drew again in a heartbeat."
Chas Cooper
Business Acquirer
Start With a Free Consultation
Tell us about your deal.
We'll tell you what you qualify for, which lenders are the best fit, what rate to expect, and how to structure the deal for the best terms. Pre-LOI or post-LOI, the first conversation is free.
FAQ
Common questions, straight answers.
How much does BayCoast cost the buyer?
For SBA deals, nothing. We're paid by the lender when your deal closes. There are no upfront fees and no retainers. You pay nothing if we don't get the deal funded. For non-SBA / conventional options (when the deal and borrower profile fit), we still work on a success-fee basis so there are no up-front fees.
I haven't signed an LOI yet. Is it too early to talk?
It's actually the best time. A pre-LOI debt read is free and helps you understand what's fundable before you lock in deal terms. Most buyers wish they had this conversation before signing the LOI, not after.
How long does it take to get a term sheet?
Typically 7–10 days from a complete package to multiple competing term sheets. Speed depends on the cleanliness of the deal and how quickly we can get information from the seller.
Do you work with first-time buyers?
Yes. A large portion of our clients are first-time acquirers, including searchers, independent sponsors, and operators buying their first business. SBA 7(a) is built for this.
What's the maximum SBA loan size?
$5M on a single SBA 7(a) loan. We can structure larger deals using pari-passu conventional debt alongside SBA, or pure conventional financing when SBA isn't the right fit.
How long does the full process take?
Most acquisitions close roughly 70 days from package to funding once the LOI is signed and diligence kicks off. Complex deals can take longer; clean deals can close faster.
Do I have to use the lender you recommend?
No. We bring you multiple competing term sheets and you choose. Our job is to give you real options and the information you need to make an informed decision.
What kinds of businesses do your lenders fund?
Mostly cash-flowing lower-middle-market businesses: home services, business services, light manufacturing, distribution, healthcare services, B2B services, and similar. If the business produces consistent cash flow, there's almost always a path.