The background
The pizzeria was a franchise resale with strong, verifiable takings — the kind of trading history that should make funding straightforward. The buyer applied, and the lender was willing — just not at the level needed.
The sticking point
The lender's offer came in below the amount applied for, leaving the buyer £35,000 short of the agreed price. With the franchise transfer process already moving, the gap threatened the whole purchase.
The way past it
We negotiated a new structure with the seller directly: the remaining £35,000 would be paid within six months of completion — a short period of seller finance agreed between the two parties. Three months after the buyer took ownership, with the business trading under their ownership, we helped them secure a loan on the strength of the business itself.
The result
The seller was paid in full, in good time. The buyer completed a £360,000 acquisition that a single lender's offer could not stretch to — structured around the gap rather than defeated by it.
The acquisition completed.
Explore the business acquisition loans we arrange and how the funding can be structured.
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