Duneland Financial
Discuss a transaction

Before the LOI, put the financing assumptions on the table.

Duneland helps buyers and brokers examine how an acquisition could be funded. Start with the facts you have. We use them to identify plausible financing routes, gaps in the structure and the questions that need lender review.

A preliminary financing conversation

A clearer funding plan. An explicit list of open questions.

The useful outcome is a working view of sources and uses, financing routes to investigate, and the evidence or terms that could change the deal. The depth of that review depends on the information available and the scope agreed with you.

Discuss my acquisitionBring a broker deal

A preliminary review is not a credit approval, valuation, legal opinion or funding commitment. Lender underwriting and transaction diligence remain ahead.

What we work through

Four questions that shape the structure

Before relying on a down-payment percentage or a quoted interest rate, connect the buyer’s resources with the business’s actual funding and repayment needs.

What needs funding?

Purchase price, incremental working capital, transaction costs and any other identified uses. Separate cash needed in the business from personal liquidity retained by the buyer.

Where does the capital come from?

Buyer funds, investor equity, senior debt and seller financing, with the amount, source, conditions and repayment terms of each. A proposed source still needs verification.

Can earnings support the payments?

Historical results, documented adjustments and the debt service of the proposed structure. Changes in rate, amortization or seller payments can change the answer.

What still needs a decision?

Program eligibility, lender fit, valuation, diligence, investor terms and transaction documents. Identify dependencies before treating a proposed closing date as settled.

Hypothetical example · arithmetic only

A $2 million purchase can need $2.25 million of funding.

Assume the purchase excludes $150,000 of incremental working capital and $100,000 of transaction costs. Those assumptions produce $2.25 million of total uses. They are invented inputs for this example, not a typical cost estimate or a completed Duneland transaction.

With $350,000 of buyer equity and a $200,000 seller note, the remaining amount is $1.7 million. That is the senior financing required to balance the model; it is not the amount a lender has agreed to provide.

Model your sources and uses

Follow the funds

Purchase price
$2,000,000
Incremental working capital
$150,000
Transaction costs
$100,000
Total uses
$2,250,000
Buyer equity
$350,000
Seller note
$200,000
Senior financing required
$1,700,000
Total proposed sources
$2,250,000

No SBA or other program is assumed. This calculation does not test credit eligibility, valuation, repayment capacity or whether the seller note receives contribution credit. Personal reserves remain outside the stated project uses.

Prepare at your own pace

Bring a draft. Make the unknowns visible.

You do not need every document to start a conversation. A detailed financing review will require supporting records, and the lender determines the actual application requirements.

Buyer resources

Organize assets, liabilities, liquid funds and the amount you intend to retain after closing. Identify restrictions or conditions on investor and borrowed funds.

Personal financial statement template →

Business obligations

List existing debts, payments, maturity dates and collateral. Keep balances today separate from the proposed treatment of each obligation at closing.

Business debt schedule template →

Preparing for a negotiation? Read the before-LOI checklist. Still searching? Start with buyer financing readiness.

From enquiry to a review

Choose the starting point that fits your role.

I am a broker or advisor

Bring a transaction for a structure review, including deals with an existing buyer. If you need a buyer, compare the listing with current buyer criteria. Duneland handles the conversation and coordinates any introductions.

Discuss a deal structureExplore current buyer criteria →

Scope, fees and next steps are discussed upfront.

Fees are transaction-specific and are outlined upfront, before an engagement begins. The engagement agreement explains the advisory fees, when they are earned and any third-party costs.

Lender fees, appraisals, legal expenses and other third-party costs are separate and are not Duneland fees.

Moving from a preliminary discussion to lender outreach or deeper advisory work depends on the transaction, available evidence and agreed engagement. There is no promised approval or universal closing timetable.

Published transaction experience

The structure follows the transaction.

These anonymized examples were supplied by Duneland. Their terms describe those transactions and do not establish the terms available for another buyer or business.

Sources and review limits

Official SBA sources checked October 5, 2026. SBA’s current SOP 50 10 8.1 with technical updates is effective October 1, 2026. Appendix 15 distinguishes acquisition categories, contribution sources and diligence requirements; some property transactions have specific exceptions. The lender must apply the rules to the actual facts.

The worked example is reproducible arithmetic from the inputs shown. The service description explains Duneland’s preliminary review approach; it does not replace lender underwriting, independent diligence or advice from transaction counsel.