Vendor financing — where the seller of a business leaves part of the price outstanding and is paid over time — is not restricted to particular industries, but its availability depends on the seller’s willingness and the deal’s structure rather than the sector. It is negotiated between buyer and seller, usually as one element of a wider funding package.
Whether it works in a given deal turns on practical things: whether the seller can afford to wait for part of their money, how the deferred amount is secured, what happens if the business underperforms after completion, and how it interacts with any bank or other lending in the deal. Those points need to be documented properly.
Note that “vendor finance” also means something quite different in the asset finance world, where it describes a supplier offering finance options to its own customers at the point of sale. The two are unrelated, and it is worth checking which sense is being used in any conversation.
Acquisition structuring is work for a corporate finance adviser and a solicitor, not a finance broker. CW Asset Finance does not advise on business purchases. Where the business you are acquiring owns vehicles, plant or equipment, funding or refinancing those assets is something we can look at.