Business Financing for Acquisitions, Growth and Transitions
AJS Capital arranges and advises on business financing — not real estate financing. We help buyers and owners structure capital for acquisitions, buyouts, growth, equipment, and working capital.
Note: We do not arrange or broker real estate financing.
This is Business finance, not property finance
Most people think “commercial financing” means real estate.
That’s not what we do.
We focus exclusively on:
Financing businesses
Financing acquisitions
Financing transitions and growth
If your primary asset is a building, we’re not the right fit.
If your focus is cash flow, operations, and enterprise value, you’re in the right place.
common financing situations we help with
Business Acquisitions
Buying an existing business, partner buy-ins, or management buyouts.
Growth & Expansion Capital
Funding for hiring, inventory, new locations, or scaling operations.
Equipment & Asset Purchases
Equipment financing, leasing, and capital expenditures.
Working Capital
Cash flow smoothing, growth capital, and operational liquidity.
Receivables & Factoring
Unlocking cash tied up in AR.
Shareholder & Partnership Transactions
Buyouts, restructures, and ownership changes.
financing is not a side detail. its part of the deal.
In acquisitions and buyouts, financing is not something you “figure out later.”
It affects:
What you can pay
How the deal is structured
Whether it closes at all
Because AJS Capital works on both transactions and financing, we structure deals that are:
Financeable
Defensible
And actually closable
This is one of the most common reasons deals fail — and one of the biggest sources of leverage when done properly.
we don’t push products. we structure capital.
We look at the deal first, then engineer the capital stack.
Bank and credit union financing
Government-backed programs (where applicable)
Asset-based lending
Equipment financing & leasing
Mezzanine and structured debt
Vendor take-back financing
Private capital
Equity and partner capital
this is not rate-shopping exercise. it’s a structure and execution process.
Steps:
Understand the Transaction or Need
Assess Financeability & Structure
Design the Capital Stack
Position the Deal to Lenders or Investors
Navigate Conditions and Close
Good fit if
You’re buying or selling a business
You’re doing a partner buy-in / buy-out
You’re growing an operating company
You care about structure, not just rate
Not a Fit If
You’re financing a building or real estate project
You want a quick online loan
You’re looking for unsecured consumer-style lending
You’re not prepared to share real financials
why work with AJS Capital
20+ years in commercial finance, business sales, and deal structuring
Deep relationships with lenders and capital sources
You work directly with the principal
We understand both the transaction and the financing
We focus on execution, not just approvals
Jey Arul, BA, MBA, CBA
start with a financing conversation
If you’re planning an acquisition, buyout, or growth move, start with a proper capital strategy.
All discussions are confidential and obligation-free.