The purcha­se price financing

The finan­cing of the purcha­se price is not the task of the seller. However, since especi­al­ly in the case of succes­si­on arran­ge­ments through Manage­ment Buy Out (MBO) or Manage­ment Buy In (MBI), purcha­se price finan­cing is a chall­enge, the seller should also pay increased atten­ti­on to the topic.

Seller and buyer are in the same boat

Almost all compa­ny acqui­si­ti­ons requi­re finan­cing by a credit insti­tu­ti­on. Many buyers undere­sti­ma­te the amount of time and infor­ma­ti­on this requi­res. As a result, the process of selling is also delay­ed for the seller. What can the seller do to help the buyer secure finan­cing? First of all, he should assist him in provi­ding the infor­ma­ti­on requi­red by the bank, if neces­sa­ry also parti­ci­pa­te in the bank meeting. The buyer should be advised to choose the right bank and prepa­re well for the talks. If the purcha­se price is reasonable, nothing should stand in the way of the acqui­si­ti­on loan. The buyer should be aware of all available subsidy options, e.g. subsi­di­sed KfW loans. We can put you in touch with renow­ned subsidy specia­lists who, if you wish, can offer you every­thing from a business plan to comple­te subsi­dies and finan­cing as a buyer from a single source.

Should a gap nevert­hel­ess arise in the finan­cing packa­ge, the seller still has the option of a vendor loan (Seller loan) by lending or defer­ring part of the purcha­se price to the buyer. The risk that the sale will fail due to the finan­cing is high ? especi­al­ly if the purcha­se price appears exces­si­ve to the bank or colla­te­ral is insuf­fi­ci­ent. We accom­pa­ny you in the important negotia­ti­ons and achie­ve the optimal results for you.