Batch Capital for Business Brokers: Buyers Who Can Close.

Most small business sales close on an SBA loan and a seller note. Bring the buyer to a desk that knows the acquisition file.

Become a Referral Partner

Business Brokers

Same day
File read by a person
$5,000 to $2M
Funding range
6
Product lines, one desk
Written
Partner agreement
Why your clients need funding

The Listing Sells When the Buyer Is Funded.

Four points where a business sale waits on the buyer's capital.

The SBA acquisition loan

Most buyers finance the purchase with an SBA 7(a) loan, which takes a lender that knows change-of-ownership files.

The equity injection gap

The buyer is short of the cash the lender wants at closing, and the deal stalls on it.

Working capital at close

The new owner takes over payroll and inventory on day one, before the first month of revenue.

The seller's own capital needs

A seller fixing equipment or clearing debt before listing gets a higher price for a cleaner business.
How the referral works

Bring the Buyer. We Bring the Financing.

01

Introduce the buyer

Send the buyer with their consent, plus the CIM or LOI and the purchase price.

02

Matt reads the file same day

A person reads the statements the day they arrive and calls the client with a straight answer.

03

Acquisition offers

SBA and term options for the purchase, and working capital for the first months of ownership.

04

You are paid when it funds

Paid on every file that funds, under a written partner agreement, with a written disclosure you can hand the client.

Become a Referral Partner
Every line of credit

One Desk for Every Kind of Funding.

Term loans, SBA loans, lines of credit, equipment financing and advances, matched to what the business actually needs.

Term loans

Up to $5,000,000 through our bank partners, fixed payments over up to 12 years, from 8.77% APR.

SBA loans

SBA 7(a) and 504 loans up to $5,000,000 for expansion, real estate and buying a business, over 5 to 25 years.

Lines of credit

Draw what you need when you need it, and pay interest only on what is outstanding.

Equipment financing

Trucks, machines and buildouts, financed against the equipment itself over 2 to 7 years.

Working capital advances

Funded by us with our own capital, as fast as same day, repaid from card sales or a fixed transfer.

Consolidation and refinancing

Roll existing advances or high-cost debt into one structure the business can carry.
The rules for your profession

Your License Decides the Fee.

Brokering a business sale does not always need a real estate license. If you hold one, its rules travel with you.

  • New York requires a real estate license for a business sale only where the real estate transferred is more than incidental (NY Real Property Law 440).
  • A business broker who holds a New Jersey real estate license may not take a fee merely for referring a client to a lender (N.J.A.C. 11:5-7.2). We treat those files as no-fee introductions.
  • A New York licensee may not be paid by more than one party without the client's full knowledge and consent (19 NYCRR 175.7).
  • For every other partner, we provide a written disclosure of any referral fee so you can give it to your client.

Sources

A summary for orientation, not legal advice. Your licensing board and counsel have the final word.

Commonly Asked Questions

A business broker referral partner introduces a buyer who needs acquisition financing to Batch Capital, which places SBA and term financing with its lending partners and funds working capital advances itself.

Can a business broker accept a referral fee from the buyer's lender?
An unlicensed business broker in New Jersey or New York can, and Batch Capital pays on every file that funds under a written partner agreement. A broker who holds a New Jersey real estate license cannot take a fee merely for a lender referral (N.J.A.C. 11:5-7.2), so we treat those files as no-fee introductions.
Does a business broker need a real estate license?
In New York, only when the real estate transferred in the sale is more than incidental (Real Property Law 440). New Jersey's broker definition covers real estate and interests in it, so a sale with a lease or building attached can bring it into play.
How do most small business acquisitions get financed?
Commonly with an SBA 7(a) loan for the purchase price, the buyer's equity injection, and often a seller note. We place SBA and term financing with our lending partners and can fund working capital for the first months.
When should I bring a buyer to you?
At the LOI, or earlier. A buyer who knows what they qualify for negotiates a price they can close, and your listing does not sit in a financing contingency.
Referral partners

Bring Us the Buyer. We Will Read the File Today.

One introduction, a same-day read on the file, and offers across every product the client qualifies for.

Become a Referral PartnerCall +1 (201) 862-4048
Matt Curran
Reviewed byMatt CurranDirector of Batch Capital
Last updated

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.

Become a referral partner