Recognition
Buying a business, a client book, or a competitor's assets
This covers buying a specific business, a book of clients or a competitor's assets outright, and the more targeted case of a management buyout or buy-in of a business you already know from the inside. Each is a genuine transaction with its own structure, timeline and security position, not a variant of ordinary working capital.
Why it doesn't fit a facility page
The structure decides the answer, before the amount does
What's actually being bought (trading assets, shares, a client list, a competitor's book) changes what a lender will secure against and how the deal is typically priced. What you already hold (existing facilities, security a current lender has over the business) changes how much room there is to add new borrowing without renegotiating the old. And how the deal itself is structured (an asset purchase against an existing facility's headroom, or a standalone transaction with its own security package) points at genuinely different routes.
Answering these on a generic page would mean guessing at facts that decide the outcome. That's the opposite of what this site is for, which is exactly why this page stops at recognition rather than pretending to a comparison it can't responsibly make.
What's worth having ready
Before the conversation
What actually speeds this up
- What you're buying. Trading assets, shares, a client book or specific assets, in outline. Not a full information memorandum yet.
- What you already hold. Existing facilities and whether a current lender already has security over the business. If that security is itself the constraint, see borrowing with an existing debenture.
- Roughly what it costs and how it's structured. An indicative price and whether the deal is being proposed as an asset purchase, a share purchase, or a buyout.
- Timeline. Whether there's a deadline driving this (an exclusivity period, a vendor's own timetable) or genuinely no fixed date yet.
None of this needs to be final. Enough to start the right conversation, not a completed deal pack.
What we do
A direct conversation about the deal
Established Finance is an introducer, not a lender. For a transaction like this, the value is in getting the structure in front of the right specialist partner early, before assumptions get baked into a timeline that doesn't fit the finance. Tell us what you're buying and we'll review it and point you to the right route, free and confidential, with no obligation at any stage.
