Partner Buyout Financing
Going separate ways doesn't have to mean selling the business or the building. We arrange the financing that lets you buy out your partner and keep what you built — structured around how the deal actually works, not a one-size-fits-all loan.
Two kinds of buyouts, two structures
The right financing depends on what you co-own. Pick your situation — the questions we ask are different for each.
Real estate partner buyout
A cash-out refinance (or bridge loan) in your name pays off the existing mortgage and funds your co-owner's equity. On rentals, DSCR programs qualify on the property's rent — not your tax returns. Typical timeline: weeks.
Price a property buyout →You co-own a businessBusiness partner buyout
SBA 7(a) is built for exactly this — financing the purchase of a partner's ownership interest, repaid from the business's cash flow. Strong businesses may also qualify for conventional term loans. Typical timeline: 45–90 days for SBA.
Price a business buyout →Why partner buyouts reward moving early
Clean breaks preserve value
Stalled partnerships stall businesses. A financed buyout locks the price, papers the split, and lets everyone move on before the disagreement costs real money.
Structure is everything
SBA vs. conventional, cash-out vs. bridge, entity vs. personal — the right structure can be the difference between approved and stuck. We pre-underwrite and match across our lender network.
A guide who's seen it
Buyouts are financial and personal. You get a real specialist who has walked owners through partnership splits — not a call center reading a script.
Partner buyout questions, answered
Can I get a loan to buy out my business partner?
Yes. Partner buyouts are one of the most common uses of SBA 7(a) financing — the loan funds the purchase of your partner's ownership interest, and the business's cash flow repays it. Conventional term loans can work as well for strong cash-flow businesses.
How do I buy out a partner on a property we own together?
The usual structure is a cash-out refinance in your name (or your entity's): the new loan pays off the existing mortgage and funds the buyout of your co-owner's equity. On investment property, DSCR programs qualify on the property's rent — not your personal income.
How is the buyout price usually set?
By agreement between partners — often from a valuation, a buy-sell agreement formula, or a negotiated number. Lenders will want the price documented in a purchase agreement, and on SBA deals a business valuation is typically part of underwriting.
How fast can a partner buyout close?
Property buyouts via cash-out refinance typically close in weeks (title, appraisal, insurance). SBA partner buyouts generally take longer — commonly 45-90 days — because of valuation and SBA processing. Timelines are typical ranges, not promises, and vary by deal.
What will lenders look for?
For business buyouts: the business's cash flow covering the new debt, your experience in the business, and the documented purchase terms. For property buyouts: equity, rent coverage (DSCR), and credit. We pre-underwrite your file and match it to programs it actually fits.
Timelines and terms are typical ranges — every deal is unique, and final terms are set by the funding partner.
Ready to own it outright?
Two minutes to price your buyout — no credit impact, no obligation. Or call (337) 344-9939 and talk it through today.
