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How You Keep Getting Paid
A plain-English guide for business owners — no finance degree required.
What This Actually Is
In a typical business sale, a buyer gets a bank loan and hands you the full amount at closing — if the loan comes through at all. With us, there's no bank in the middle. We agree on a purchase price, pay you a down payment at closing, and pay the remaining balance on a fixed schedule after — weekly, biweekly, or monthly, whichever works better for you.
Ownership Transfers Right Away — Your Income Doesn't Stop
The business becomes ours the day we close. You're done running it that day. But the purchase price doesn't all move at once — it keeps coming to you on the agreed schedule until it's fully paid. And because there's no broker commission and no bank fees eating into the deal, the total price you walk away with is often higher than a traditional sale.
How the Payment Structure Works
Down Payment at Closing
You receive a portion of the purchase price the day we close — real money in hand, not a promise.
Ownership Transfers Immediately
You're done running the business the day we close. There's no lingering handoff or ambiguity about who's in charge.
Fixed Payments Until Paid in Full
The remaining balance is paid out on a set schedule — weekly, biweekly, or monthly, whichever works better for you — until the full agreed price is satisfied.
Typical Terms: 2–5 Years
Most agreements pay out over 2 to 5 years. Larger acquisitions can run up to 10 years, depending on the size of the business and the agreed price.
Why Many Owners Prefer It
- Real money at closing, then steady, predictable income instead of a single check to manage
- Often more total money over the life of the agreement than a discounted lump-sum offer — and a higher final price overall, with no broker fees or bank costs taken out
- Tax impact spread across years instead of one large bill in a single year
- Your payment is fixed — it doesn't change based on how the business performs after you leave
How Payments Are Protected
Every agreement spells out the exact payment amount, schedule, and term before you sign anything — in writing, in plain language. Due diligence happens before closing specifically to confirm the business supports the payment schedule, so there are no surprises for either side afterward.
Common Misconceptions
"This means I'm taking on all the risk."
The opposite, actually. Your payment amount and schedule are fixed and agreed to in writing before closing — it doesn't change based on how we run the business afterward. That risk is ours to manage, not yours.
"It's the same as just holding a loan."
The mechanics are similar to a loan you're owed, but a loan doesn't come with a team of operators actively running and protecting the business you built — reducing the chance anything goes wrong that would affect the relationship.
"I won't see real money until the payments start."
You receive a down payment at closing — before the first scheduled payment even comes due.
See What This Could Mean for You
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