A decline from one lender isn't the end of the deal. Acquisition lenders differ in appetite, and a different lender, a different structure or more support from the seller can change the answer.
What we look at next
- Other lenders whose appetite fits the sector and deal size.
- A different structure, such as adding asset-based lending against the target's assets, or a Growth Guarantee Scheme layer. See Can I use a Start Up Loan or the Growth Guarantee Scheme to buy a business?.
- More seller support: a larger vendor loan or deferred payment reduces what lenders need to fund. See What is vendor finance?.
- The price: if the profits don't support it, renegotiating may be the answer. See How profitable does the business I'm buying need to be?.
If your lender pulls out late
Replacing a lender that has dropped out close to completion, and bridging finance for tight timelines, are things we look at case by case.
If no lender offers a facility
No success fee and no abort fee are charged. You keep our analysis and our findings on why the market declined. See What if no lender offers me acquisition finance?.
When the honest answer is "not this deal"
Sometimes the target, the price or the timing is wrong. We'll tell you, and what would make a future deal fundable.
Last reviewed: 8 October 2026