Acquisition financing designed around cash flow.
We help buyers evaluate debt capacity, equity requirements, working capital, collateral, add-backs, projections, seller financing, and post-closing cash flow before approaching the market.
Loan Brokerage & Financing Advisory
Finance the deal with the right capital partner.
One opportunity. More than 250 banking and lending relationships. A financing strategy built around your transaction.
Blue Sky helps buyers of businesses and commercial real estate prepare stronger loan requests, identify the right lending path, and navigate the process from initial review through underwriting and closing.
250+
banks and lending sources in our network
$100M+
in loans booked since 2020
1
coordinated process from strategy to closing
Financing That Fits the Opportunity
The right deal still needs the right bank.
Lenders differ in credit appetite, industry preferences, collateral requirements, geography, deal size, structure, and speed. We help position your request and pursue institutions whose lending profile aligns with the opportunity.
Capital for owner-occupied and investment properties.
We help borrowers organize the property, sponsor, operating, and repayment information lenders need to evaluate acquisitions, refinances, construction, improvements, and expansion.
Capital Solutions
More than one way to fund the opportunity.
We assess the transaction first, then help identify financing paths that fit the borrower, use of funds, collateral, timing, and repayment profile.
SBA Loans
Government-guaranteed lending for eligible acquisitions, real estate, equipment, expansion, and working capital.
- Business acquisition financing
- Owner-occupied real estate
- Longer-term structures
Conventional Loans
Bank financing for established borrowers and transactions that meet conventional cash-flow and collateral standards.
- Acquisition and expansion
- Commercial real estate
- Equipment and refinancing
Bridge Loans
Interim capital for time-sensitive needs when a clear path to repayment or permanent financing exists.
- Closing and timing gaps
- Transitional properties
- Short-term liquidity
Unsecured Loans
Cash-flow-based options that may provide flexibility when collateral is limited and the borrower meets lender criteria.
- Working capital
- Growth initiatives
- Smaller financing needs
Hard Money Loans
Asset-based capital for select opportunities where speed, collateral, or a nontraditional situation drives the request.
- Time-sensitive closings
- Real estate-backed requests
- Transitional situations
The Blue Sky Difference
Bank matching is more than sending a file to a list.
A strong financing process begins by understanding how the transaction will look through a lender's eyes. We identify likely questions early, organize the story, and target financing sources based on fit.
The goal is not simply to find a bank. It is to find the right bank, structure a credible request, and keep the transaction moving.
We evaluate the full credit story.
- Borrower experience, liquidity and credit profile
- Historical cash flow and debt-service capacity
- Purchase price, valuation and deal structure
- Equity injection and sources and uses
- Collateral and guarantor support
- Working-capital and post-closing needs
- Industry, property type and geographic fit
- Projections, assumptions and downside risk
Representative Lending Experience
Experience across the needs that move businesses forward.
Our prior financing work spans business acquisitions, property transactions, growth initiatives, and situations requiring a more specialized capital solution.
More than $100 million in loans booked since 2020.
That experience informs how we assess financeability, prepare requests, anticipate underwriting questions, and coordinate complex closings.
Business purchases
Financing support for buyers acquiring operating companies, including cash-flow review, structure, working capital, and transition considerations.
Commercial properties
Loan preparation and lender matching for owner-occupied and investment real estate acquisitions, improvements, and refinances.
Expansion and equipment
Capital planning for facilities, equipment, construction, additional capacity, and other growth-related investments.
Working capital and refinancing
Financing requests designed to support operating needs, restructure obligations, or create room for the next stage of growth.
Bridge and asset-based capital
Alternative paths for select time-sensitive, transitional, collateral-driven, or nontraditional financing needs.
Our Financing Process
From initial review to the closing table.
We help turn a financing need into an organized, lender-ready request and coordinate the process through approval and closing.
Understand the opportunity
We begin with the transaction, borrower goals, timeline, use of funds, available equity, and the financial and property information already available.
Assess financeability
We review cash flow, debt service, structure, collateral, borrower profile, projections, risks, and likely lender concerns before the request goes to market.
Build the loan package
We organize the financial narrative, supporting documents, sources and uses, business plan, projections, and transaction details lenders need to evaluate the request.
Match the deal to lenders
We identify financing sources based on credit appetite, industry, geography, loan size, collateral, program fit, structure, and timing.
Compare options and coordinate underwriting
We help evaluate proposed structures and facilitate communication, document requests, questions, third-party reports, and approval conditions.
Navigate commitment and closing
We coordinate with the borrower, lender, seller, attorneys, CPAs, brokers, and other professionals to help keep closing requirements organized and on schedule.
Why Blue Sky
Financing knowledge with transaction perspective.
Banking experience
We understand how lenders evaluate repayment, risk, collateral, guarantors, projections, and transaction structure.
Transaction experience
We view financing in the context of purchase agreements, valuation, diligence, working capital, transition, and closing certainty.
Broad lender access
Our network of 250+ banking and lending relationships expands the search beyond a borrower's existing institution.
Stronger preparation
We help surface missing information and likely questions before they slow underwriting or weaken lender confidence.
Clear coordination
We help connect the borrower, lender, seller, and professional team so information moves and responsibilities stay clear.
More paths forward
When a traditional structure is not the right fit, we can explore SBA, bridge, unsecured, or asset-based alternatives where appropriate.
Frequently Asked Questions
What borrowers want to know.
Why use Blue Sky instead of approaching one bank directly?
A single bank can offer only the programs and credit appetite it has available. Blue Sky helps prepare the request and evaluate potential fit across a broader network, while giving you one point of coordination throughout the financing process.
Can you guarantee approval or the lowest rate?
No. Credit approval, pricing, structure, collateral, guarantees, and closing conditions are determined by the lender. Our role is to help build a credible request, identify appropriate financing sources, compare available options, and coordinate the process.
When should I begin the financing process?
As early as practical. An early review can reveal equity, cash-flow, valuation, collateral, documentation, or timing issues before they put a purchase agreement or closing date at risk.
What information will I need?
Requirements vary, but lenders commonly request personal financial information, tax returns, business financial statements, debt schedules, purchase documents, projections, resumes, entity documents, property information, and a clear explanation of the transaction and use of funds.
Do you only work on business acquisitions?
No. We also assist with commercial real estate, expansion, equipment, construction, refinancing, working capital, and select bridge, unsecured, or asset-based financing needs.
Start the Conversation
Tell us what you are trying to finance.
Share a few details about the business, property, project, use of funds, timing, and financing need. Our team will review the information and follow up to discuss potential next steps.
Confidential inquiry