This is one of the most common forms of financing for a new buyer. The usual down payment is 20% - 50% with the most common being 33%. Terms will fluctuate depending on several different factors.

Small Business Administration loans offers more flexible terms than conventional financing and in many cases, seller financing. Business acquisition financing with a SBA loan will allow you to buy a business with a lower down payment, longer terms and competitive rates. The amount of the loan is usually up to a maximum of $1.5 million with 10% - 15% down. Length of loan can vary from 10 to 25 years.

The traditional lending sources are still available but usually have requirements that are more stringent.