Acquisition Capital & Transaction Financing

Whether you need capital to fund an acquisition, growth financing to scale before a transaction, or you're a lender seeking attractive deal-backed returns, FIH connects you with the right partners.

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For Acquirers

Funding to acquire technology companies in the $1M-$100M+ range. We connect you with SBA lenders, mezzanine providers, and private credit funds who specialize in technology M&A.

  • SBA 7(a) & conventional acquisition loans
  • Seller financing structuring
  • Mezzanine & subordinated debt
  • Revenue-based financing
Apply for Acquisition Capital

For Lenders & Investors

Earn attractive, deal-backed returns by financing vetted technology acquisitions. Every opportunity has been through our advisory process with full financial due diligence completed.

  • Secured against verified digital assets
  • Competitive interest yields (8-15%+)
  • Full due diligence packages available
  • Non-recourse structures available
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Capital Structures

Ways to Fund an Acquisition

Most technology acquisitions are financed with a blend of sources, not a single loan. Below are the structures we help buyers assemble — and we’ll model the right mix for your specific deal.

01

SBA 7(a) Acquisition Loans

Up to $5M · ~10% down · 10-yr amortization

Government-guaranteed loans that let qualified buyers acquire a profitable business with modest equity. Requires a personal guarantee and a company with steady cash flow.

Best for: Buyers of established, profitable SMBs and digital businesses.
02

Senior & Conventional Bank Debt

Term loans + revolvers · secured · lowest cost

Traditional bank financing secured against assets and cash flow. The cheapest capital in the stack, but the most conservative on leverage and covenants.

Best for: Larger, asset-rich or highly cash-generative targets.
03

Seller Financing (Seller Notes)

Typically 10–30% of price · deferred

The seller defers part of the purchase price as a note repaid from future cash flow. Bridges valuation gaps and signals the seller’s confidence in the business.

Best for: Almost every lower-middle-market transaction.
04

Mezzanine & Subordinated Debt

Junior debt · ~12–18% · often with warrants

Flexible capital that sits between senior debt and equity. Fills the gap when the bank won’t lend the full amount and you want to preserve equity ownership.

Best for: Closing a funding gap without giving up control.
05

Private Credit & Unitranche

Single blended facility · fast · flexible

One combined loan from a direct lender in place of a layered bank syndicate. Trades a slightly higher rate for speed, certainty of close, and lighter covenants.

Best for: $10M+ technology acquisitions needing speed and certainty.
06

Equity & PE Co-Investment

Sponsor / partner equity · rollover

Institutional or partner equity for the portion debt can’t cover. Sellers often roll a stake forward, keeping upside and aligning both sides post-close.

Best for: Platform deals and larger, growth-oriented transactions.
07

Search Fund Capital

Investor-backed operator vehicle

A pool of investor capital that funds an individual operator to find, acquire, and run a single company — then backs the acquisition itself.

Best for: Individual acquirers targeting one quality business.
08

Earnouts & Contingent Consideration

Paid over time · tied to performance

Part of the price is paid later, contingent on hitting agreed post-close targets. Lowers upfront capital and de-risks valuation on both sides.

Best for: Businesses with growth or customer-concentration questions.
09

Recurring-Revenue Financing

Advance against ARR · non-dilutive

Capital advanced against predictable subscription revenue rather than hard assets. Purpose-built for SaaS and recurring-revenue technology targets.

Best for: Acquiring or scaling recurring-revenue software businesses.

Not sure which structure fits your acquisition? We’ll review the target, map the optimal capital stack, and introduce you to the right lenders and investors — usually within 48 hours.

Structure My Financing

Current Opportunities

Active Lending Opportunities

1 opportunities currently available for qualified lenders.

Coupon Niche
Acquisition Loan · 36 Months
Revenue
$1.26M/year
Net Profit
$1.04M/year
Funding
$4M
Yield
17%

For Accredited Investors

Diversified Acquisition Lending Fund

Access a portfolio of multiple technology acquisition loans packaged together for attractive risk-adjusted returns. Non-recourse structures available.

Interested in a fully diversified passive investing opportunity?

Dozens of low multiple eCommerce, Saas, & Digital Media business acquisition loans packaged together for a predictable +/- 10% return.

  • Use the button to the right to apply to contribute to our highly anticipated debt fund - which provides high interest non-recourse funding to experienced operators buying quality online businesses.
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Need Capital for a Technology Transaction?

Whether you're acquiring, lending, or seeking growth capital, we connect you with the right partners.

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