A few options include: - Some form of senior debt (operating line, term loan), might need to be slightly higher than $50K. But could make this worthwhile. Speak to the targets current bank - Friends and family loan, but carries some personal risk if things go sideways - Equity investors, although you probably wouldn't want to give up complete ownership for $50K gap. - Bridge financings is an option as someone already pointed out, will be more expensive but more flexible

You could ask the seller for a loan to cover the gap. They might be open to do that, to avoid the risk of having the deal collapsing because of this and start from scratch.