Access flexible, transition-ready capital to support ownership changes—without disrupting operations or taking on unnecessary debt.
Built for companies navigating mergers, acquisitions, or internal ownership changes, this financing solution provides the capital needed to maintain operations, retain value, and ensure a smooth transition—exactly when stability matters most.
Leverage your existing assets—like receivables, inventory, or equipment—to secure flexible funding, without diluting ownership or taking on long-term debt.
Unlike fixed-term loans, an asset-based line of credit is revolving—giving you on-demand access to capital that adjusts with your business activity.
As customers pay or inventory turns, your credit line replenishes—supporting daily operations, growth investments, and long-term stability.
Ideal for companies undergoing mergers, acquisitions, or internal buyouts, CHOW financing provides the capital needed to support seamless ownership transitions—ensuring operational stability, preserving value, and positioning the business for long-term success.
Keep business operations fully funded through transitional periods—minimizing disruption and ensuring confidence across the organization.
Prevent working capital strain by using financing to cover transaction-related expenses while preserving liquidity.
Use funding to invest in new hires, equipment, or expansion initiatives—even as ownership evolves.
Tailor financing to your transaction—whether it’s an internal succession, partner buyout, or external acquisition.
Access capital without needing to give up control or add long-term, restrictive debt to your balance sheet.
Demonstrate financial strength and planning to employees, vendors, lenders, and investors throughout the ownership change.
CHOW (Change of Ownership) financing is a flexible capital solution designed to support businesses undergoing mergers, acquisitions, or internal buyouts. It provides the liquidity needed to ensure a smooth transition, maintain operations, and preserve financial stability—without disrupting growth or daily cash flow.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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CHOW financing, short for Change of Ownership financing, is a specialized funding solution that supports the sale, transfer, or transition of a business. It provides the capital needed for buyouts, successions, or acquisitions without disrupting day-to-day operations.
It’s used during events like management buyouts (MBOs), family successions, partner exits, or strategic acquisitions—particularly when a buyer needs financing to complete the ownership transfer.
Business owners planning retirement or exit
Managers or employees buying into the business
Private equity firms acquiring a portfolio company
Healthcare organizations transferring operating licenses or payer agreements
Partners buying out co-owners or investors
It ensures a smooth transition of ownership by providing the buyer with the capital they need while allowing the seller to exit cleanly. The business continues operating without disruption to cash flow, payroll, or supplier relationships.
Assets like accounts receivable, equipment, inventory, and real estate can be used as collateral. In healthcare or service-based businesses, contracts or revenue streams may also factor into the structure.
No. While the term is commonly used in the healthcare industry due to regulatory licensing requirements, CHOW financing can be applied to businesses in any sector undergoing a change in ownership.
Timelines vary, but specialty lenders like eCapital can move quickly—often completing deals in weeks rather than months, especially when regulatory or operational continuity is critical.
