Business Brokers do not function as lenders, and the majority of small businesses for sale may not meet the criteria for an SBA loan. Any financing a Buyer seeks will primarily rely on their personal creditworthiness, with personal lines of credit, home equity loans, or savings being common avenues for acquiring the business. In many cases, the Seller may provide financing by carrying a note and participating in a portion of the transaction. For most small businesses, if Seller financing is available and terms are negotiated, the Buyer is typically expected to make a down payment ranging from 50% to 70% of the purchase price.