Business acquisition finance in Queensland, structured around earnings and goodwill
Funding to buy a business, a book of clients or a practice across Queensland — where earnings quality, goodwill and the structure of the purchase drive how the deal is supported.
Earnings quality and deal structure carry the weight
Acquisition deals are assessed on the quality and durability of earnings, the goodwill component, and how the purchase is structured — vendor terms, earn-outs and security all change the read. Two similar businesses can attract very different lender appetite.
We structure the acquisition and match the lender before submission, alongside your accountant.
- Purchase of a business or going concern
- Book / client-base and practice acquisition
- Partnership buy-in and equity transitions
- Vendor terms, earn-outs and security structuring
- Goodwill and earnings-quality considerations
- Coordinated with your accountant
How a lender reads an acquisition
Earnings quality
Durability and concentration of earnings shape how the deal is assessed.
Goodwill & security
The goodwill component and available security drive structure and appetite.
Deal terms
Vendor finance, earn-outs and transition arrangements all factor in.
The questions clients ask first
How much goodwill will a lender support? +
Can vendor terms help the deal? +
Do you cover the whole state? +
“In an acquisition, the lender is really buying the earnings. Structure the deal around that and match the right lender, and it reads very differently.”
— Phil Riches, Commercial Finance Broker (a division of Model Mortgages)
Talk through your Queensland acquisition
Understand how your situation is likely to be assessed — and what that may mean for your next step. Every conversation is strictly confidential.