Alternatives to vendor finance

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Funding options


Making A Buy-in Affordable

  • Bespoke finance packages
  • Individual solutions
  • Flexible repayment arrangements
  • Terms to suit your business plan

Private Equity

  • High levels of finance available
  • Individual support
  • Redemption arrangements available
  • Variety of repayment structures

Secured Loans

  • From 2% above base rate
  • Up to 25 years terms
  • Finance secured on business or personal assets
  • Early repayments without penalty

Talk to Rangewell - the business finance experts

Buying a business often demand Vendor Finance. At Rangewell, we have alternatives to provide the scale of funding you need.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

If you're considering buying a business, the question of how you will pay for it looms large. Seller funding or vendor finance is one answer - but alternatives exist which could cut your costs.

Buying a successful business will, inevitably, be expensive. However, the seller may not expect to receive the entire purchase price upfront as a lump sum. If fact, he or she may even help you fund the deal. Vendor finance, or carryback, is a loan the seller of a business gives to the new buyer to cover all or part of the cost. 

It can make businesses easier to sell and increase the final sum earned by the seller. It can also mean buyers can find it easier to buy - although it may mean increased costs.

Seller financing will usually only cover part of the agreed price. That means buyers must make up the difference, often 20-30% or moreover an agreed period with regular repayments. The rate of interest will be agreed as part of the sale, and can commonly be anywhere from 5% to 10% or more.

It can be an expensive way to borrow money but if, as a buyer, you cannot meet the lending requirements of banks, it may be the simplest solution.

However, even if you believe that lenders will not be able to help, there may be solutions which could provide the cash you need to buy a company which would offer more affordable, and may even let you negotiate a better purchase price.

Private Equity investment

Private Equity firms may be able to advance funding for a business purchase. However, in return for their funding, they will want a share in your business and its profits. They will usually want to cash out altogether after a set time - often 5 years - which will mean you will need a new source of capital to buy back their share.

Virtually any level of funding can be provided, but most will include stipulations about how the company must be run and may include financial and other objectives to meet. If things don’t go to plan, it may mean running the risk of losing control of your business.

Asset Refinance

Asset Refinance could allow you to raise a substantial amount of cash without the need for external investors. It works by leveraging against the assets already in the company.

This means taking out a finance agreement on the premises, stock and equipment that the business already owns. The sum raised is then used to help buy the business, and repayments are made on the assets until the loan is paid off, and they become the property of the business once more.

Using the assets of the company to buy the company itself can be a particularly effective solution for those businesses with a large investment in plant and property, and if a Commercial Remortgage is used on business premises, the costs can be repaid over up to 20 years.

Business Loans

A straightforward business loan may provide sufficient cash to replace vendor finance. Business lenders may offer Unsecured Loans, repayable over three to five years, or a larger scale of lending and a longer term with a Secured Loan, with the security provided by other business assets, or frequently by the borrowers home. A Secured Loan can offer lower rates as well a longer repayment term, and depending on the security offered can provide any level of funding.

Getting the funding you need

In practice, because of the scale of lending required, it may be necessary to arrange a package of funding that combines several sources of credit to raise the sums you need for a business purchase.

At Rangewell, we are experts in arranging this kind of bespoke ‘Jigsaw’ Funding. Because we can work with lenders across the entire market, we can source the most competitive lending for each element in your jigsaw, and combine them into the funding you need.

Whether you're looking at vendor finance, private equity for management buy-ins or even private equity for management buyouts, speak to us. 

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Lending tailored to your needs
    At Rangewell we can combine several funding sources to help you raise large sums in ‘Jigsaw’ Finance.
  • Cutting the costs
    Our expertise can help you find the most cost-effective solutions - cutting your overall costs.
  • For any scale of business acquisition
    We can help set up solutions for any size of business, from tens of thousands of pound to tens of millions.
  • Negotiation
    Avoiding the need for vendor finance can improve your negotiating position and reduce your costs.
  • A fast service
    Sometimes it may be essential to move quickly. We can provide funding in days rather than weeks if required.
  • Specialist lending
    At Rangewell, we cover the entire lending market. We can help you find the most appropriate lenders for your sector, and cut costs.

Download Rangewell’s free and detailed guide to Finance for Buy-Ins and Buyouts

What types of finance are there - which do you need?

Why not all providers are equal - finding the one that’s right for you

How we can provide an additional income stream

The downsides to finance - and how to avoid them

How to arrange finance - what paperwork do you need?

Key terms explained

Can I find finance to help with cash flow?

How can you finance your management buyout (MBO)?

Do the management teams have any bearing on being accepted for finance?

Will a private equity firm be involved to run the business? 

Download now

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Getting the right funding arrangement is essentialThere are many forms of business finance available. Getting the most appropriate type for your particular needs is essential to avoid excessive costs.
Your key equipment could be at riskIf you are unable to keep up repayments on an Asset Refinance agreement, the equipment your business depends on could be could be at risk.
Long-term financial commitmentsYou may not be able to pull out of a finance arrangement once set up.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.