How are you handling post-close working capital?

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May 07, 2026

by a searcher from Georgia Institute of Technology in San Francisco, California, USA

For those who’ve recently closed an SMB acquisition. What are you using for post-close working capital? Looking for recommendations on: • Working capital lines (bank facility vs. Mercury/Brex vs. RBF lenders like Pipe/Capchase) • Typical sizing relative to deal size • Rates / terms you’ve seen • Anything that worked well (or didn’t) for integration costs, AR timing, and early operational needs Closing on a low-7-figure B2B SaaS deal with recurring revenue. Want to set up the right credit stack from day one. Seeking $300K~ Appreciate any recommendations.
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Reply by an intermediary
from University of Washington in Chicago, IL, USA
Are you funding the acquisition via SBA? If so the lending back will give you a working capital loan. It will be same interest rate as SBA loan. The only issue is it’s not a LOC so you are paying P&I on it from day one For our online businesses, we have a line of credit through a local bank and also Chase. But these take at least 2 years of tax return history to get. So it won’t happen on new acquisitions. Our LOCs are 8.75% and another at 10%. If the SaaS is using Stripe, you can get a loan from Stripe. It’s ridiculous interest rates like 20%+. Payback is automatic from Stripe revenue that comes in.
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