Jumpstart provides accredited investors with structured exposure to cash-flowing operating businesses through acquisition-focused capital platforms.
Private Credit Opportunities in
Small Business Acquisitions
Participate in the Gray Wave
America is entering a historic transfer of small business ownership.
As longtime owners retire, thousands of profitable, established businesses are changing hands - creating a sustained opportunity for acquisition entrepreneurs and the capital partners who support them. This multi‑year transition, often referred to as the “gray wave,” is reshaping how small business ownership evolves in the United States.
Jumpstart provides accredited investors with structured ways to participate in this opportunity through a disciplined acquisition‑capital platform focused on real, operating businesses.
10 Million
businesses will be sold or transferred by 2035.
$10 Trillion
in business assets will change hands in the next 10–20 years.
$280 Billion
in financing is needed to fund the Gray Wave.
The Opportunity
Two significant forces are driving demand for non‑traditional acquisition capital:
A generational ownership transfer
A large and growing population of business owners is approaching retirement, creating a deep pipeline of operating companies with existing revenue, cash flow, and employees.
A structural gap in acquisition finance
Ongoing, often unpredictable, changes to SBA eligibility and increasing underwriting constraints have reduced access to government‑backed acquisition financing — even for otherwise strong entrepreneurs. This has created a clear opening for private capital that can deliver speed, certainty, and flexibility without relying on government guarantees.
Jumpstart focuses on this intersection: qualified buyers, cash‑flowing businesses, and capital structures designed around execution rather than bureaucracy.
We Underwrite. We Approve. We Fund.
Ways to Participate
Accredited investors may engage with Jumpstart through two complementary capital pathways, depending on preferred structure and risk profile.
Jumpstart Loan Fund
Senior Secured Private Credit
Jumpstart Loan Fund is a private credit vehicle designed as a structured alternative to SBA 7(a) financing for small business acquisitions.
The Fund focuses on senior secured, cash-flow-based acquisition loans, generally in the $500K to $2MM range. Borrowers are typically high-credit-quality individuals acquiring established, profitable businesses and providing personal guarantees.
The strategy emphasizes:
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Senior secured positioning
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Lending against operating business cash flow
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Strong borrower credit and liquidity standards
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No reliance on government guarantees or SBA timelines
The Fund supports both U.S. citizens and lawful permanent residents — a borrower segment that has been materially displaced from SBA eligibility despite often being strong acquisition candidates.
BizBuyAngels™
Angel‑Backed Acquisition Capital
BizBuyAngels™ is a structured pathway for accredited investors to participate in acquisitions where equity or hybrid capital is appropriate.
Rather than startup-stage investing, BizBuyAngels™ is designed around entrepreneurs who buy established businesses first, then build and grow them. Transactions are typically larger and more complex, with Jumpstart leading transaction structure and coordination while angel investors provide aligned acquisition capital.
This approach offers investors exposure to operating businesses with real cash flow, while avoiding the binary outcomes and long timelines associated with traditional startup investing.
What Our Customers Say
How It Works
Jumpstart operates as the lending platform, providing infrastructure for acquisition capital across both private credit pathways.
Jumpstart provides:
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Compliance and regulatory discipline
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Cash‑flow‑based underwriting expertise
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Transaction and deal coordination across buyers, sellers, and private capital providers
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Ongoing servicing and oversight
Loans are initially originated through a regulated bank partnership and then acquired by the Fund or BizBuyAngels™. Underwriting and servicing are conducted by Jumpstart’s affiliated lending platform under defined credit standards.
Investor communications are structured and consistent, including periodic updates and portfolio‑level reporting. Liquidity for fund interests is limited and subject to manager discretion, consistent with long‑term private credit strategies.
Participation in Jumpstart Loan Fund or BizBuyAngels™ is available to accredited investors only, with verification of accredited status.
A Platform Built for Alignment
Across private credit and angel‑backed capital, Jumpstart is built around a single philosophy:
Structure first. Capital second.
The platform is designed to align underwriting discipline, transaction design, and long‑term oversight — allowing investors to participate in the small business ownership transition through repeatable, institutional‑grade structures rather than one‑off deals.
Learn More
Accredited investors interested in learning more about opportunities to participate in Jumpstart’s capital platforms are invited to connect with the team to discuss participation pathways and fit.
Important Disclosure: Jumpstart Finance structures and manages acquisition financing in partnership with Little Horn State Bank, Member FDIC, which serves as lender of record for The Jumpstart Loan℠ and other private credit solutions. All financing is subject to underwriting and eligibility requirements. Jumpstart Finance is committed to fair lending.
This content is provided solely for informational purposes to prospective accredited investors. It does not constitute an offer to sell or a solicitation of an offer to buy securities. Any investment may be made only pursuant to the applicable offering documents.