: You pay part of the price only after the business hits specific future performance targets. This reduces your initial risk and aligns your interests with the seller’s.
: You use the target business's own assets—such as equipment, real estate, or inventory—as collateral to secure a loan for the purchase. buying a small business with no money
: Recent rule changes as of January 2025 allow the required 10% down payment for an SBA loan to be fully covered by a seller's note (on standby for two years). This enables a total acquisition with zero personal cash out of pocket. : You pay part of the price only