The California IBank Guarantee Program is a powerful alternative for business acquisitions when SBA financing is not an option.
Loan Program Highlights
- Up to $20 million acquisition financing
- Up to $5 million guaranteed portion
- 7-year guarantee structure
- 20–25 year amortization options
- Ability to stack with conventional debt
- Flexible underwriting and covenants set by banks
Loan Uses
- Business purchase transactions
- Partner buyouts
- Ownership transitions
- Expansion through acquisition
Why Use IBank for Acquisitions?
- Works where SBA eligibility fails
- Supports complex ownership structures
- Flexible cash-flow based underwriting
- Strong alignment with lender credit policies
- Allows blended capital stacks (bank + guarantee + seller note)
Ideal Borrowers
- Buyers with lawful permanent resident ownership
- Entrepreneurs acquiring established businesses
- Operators scaling through acquisition
- Sponsors structuring layered ownership
Key Advantages
- State-backed guarantee reduces lender risk
- Higher likelihood of approval in complex deals
- Financing of goodwill and going-concern value
- Flexible structure compared to SBA rigidity
📩 Work with ThinkSBA to structure your acquisition with IBank-backed financing.
California IBank Commercial Real Estate Financing