We’re Acquisition Debt Advisors. We Obsess Over Getting Deals Closed.
We help individual buyers and small investment groups secure the capital needed to acquire small and mid-sized businesses—without guessing, scrambling, or wasting time with the wrong lenders and deal structures.
Who We Are
Built for acquisition entrepreneurs.
Duneland Financial is an SMB acquisition debt advisory firm focused on helping buyers understand what’s actually financeable, structure the right capital stack, and execute through closing.
We work with individual buyers and small sponsor teams who want clarity, speed, and honest guidance—not generic lender referrals. Our approach is grounded in radical transparency and long-term alignment, because the right outcome isn’t just approval—it’s a deal that closes cleanly and works post-close.
Acquisition Lending solutions
The 4 Capital Lanes We Help Buyers Navigate
Most SMB acquisition financing fits into one of four capital lanes. Our job is to help you identify the right lane for your profile and your target deal—and then manage the path to closing.
1) Non-SBA Conventional Bank Financing
Best suited for buyers with strong credit and liquidity. Provides flexible structures and faster execution for qualified borrowers.
2) Structured / Non-Bank Capital
Used when speed, flexibility, or deal structure falls outside traditional bank requirements. Particularly useful for certain industries, timelines, and transaction types. 1M plus in EBITDA and operational experience required.
3) SBA Acquisition Financing
Not a one-size-fits-all solution like most Buyers assume it is. When it fits, it’s excellent. When it doesn’t, it slows deals down. We’ll quickly confirm SBA-fit (or redirect you) before you waste time.
4) Pre-Acquisition Liquidity Strategies
This is where many buyers unlock optionality. We help you build liquidity before you go under LOI so you can pursue opportunities that would otherwise be out of reach—while minimizing your out-of-pocket buyer cash injection. Provides flexibility to current liquidity position, great for acquiring small acquisitions 750k and below.
The Reality of Funding Acquisitions
Most Buyers Oversimplify How Deals Get Funded
A common assumption is: “I’ll bring 5–10% down and SBA will cover the rest.” In reality, many deals are not going to get approved/funded by SBA… and many acquisitions will often require more liquidity than expected in order to get the deal closed.
The good news is you’re not stuck. Through pre-acquisition liquidity strategies, we help buyers expand their financing options beyond SBA—allowing them to move faster, structure deals more intelligently, and compete for better opportunities – with less of their personal cash tied up in a deal.
Why Choose duneland?
Execution-Focused
We’re not a bank. We act as your debt advisor, structuring capital around your situation and the realities of the deal.
Acquisition-Specific Expertise
We focus exclusively on SMB acquisition financing—lender requirements, deal packaging, sequencing, and closing coordination.
Radical Transparency
If a deal isn’t financeable as presented, we’ll tell you directly and help you understand what needs to change.
Results-Driven Alignment
If we don’t close funding, we don’t get paid.
Let's Get Started!
Ready to understand your best capital lane and next steps?
Complete the short buyer intake and you’ll be redirected to schedule a 1-on-1 call with Duneland Financial.
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DUNELAND FINANCIAL® and associated marks are trademarks of Duneland Financial LLC.
Duneland Financial LLC is a debt advisory firm that provides strategic guidance on financing solutions. We are not a lending institution, nor do we directly extend credit. Instead, we work with a network of established financial partners to help businesses and entrepreneurs access capital. All financing solutions are subject to lender approval and underwriting guidelines.
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