
What are the benefits of the financing mix in SME acquisition financing?
During an acquisition, many prospective buyers wonder how much of their own capital they need. A smart approach is the financing mix or stacked financing, which combines different sources. This can include equity, debt, and quasi-equity.

Benefits of the Financing Mix
- Less personal contribution needed compared to traditional financing.
- Less traditional bank credit required.
- Stronger financing by combining various sources.
Useful PMV Financing Products
- Win-win loan – max. €75,000 per lender / €300,000 per company.
- Co-financing – up to €350,000.
- Co-financing+ – up to €700,000.
For entrepreneurs active for less than four years, there's the PMV Start Loan:
- Maximum credit of €100,000.
- Up to 4 times your own contribution.
- Maximum of €700,000 combined with other PMV credits.
- Not to be used for refinancing existing debts.
Besides the options above, PMV also offers the Guarantee Scheme and the Friends' Share, which can also be included in the financing mix.
Seller's Assistance
The vendor loan, where part of the acquisition payment is deferred, can also be part of the financing mix.
Financing Mix Summary

For a €500,000 acquisition, financing with a personal contribution of 15% (instead of 30% in a classic scenario) is achievable for a total of €75,000.

You can adapt the example to your own situation using an Excel spreadsheet.
Sources
Strong Business Plan but Insufficient Collateral?
The PMV Guarantee Scheme offers banks a government guarantee up to €750,000 (maximum 75% of the credit amount), with a one-time premium that can be included in the credit.
Not Eligible for PMV Financing
- Financing of a minority stake in a share acquisition.
- Financing of a partial takeover of a business fund (must be fully taken over).
UNIZO Financial Insight Guidance
More Information and Advice:
Feel free to send an email to guido.seghers@overnamemarkt.be
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