Business acquisition without millions using seller financing

Most people think you need millions to buy a business.

September 10, 20251 min read

Most people think you need millions to buy a business.

Over 60% of deals involve seller financing, which changes everything.

Here’s how seller financing works:

You put money down, and the seller becomes your bank.

They get paid over time from the profits their business already generates.

Here’s why sellers agree:

→ Higher total payout than all-cash deals

→ Lower tax brackets through installment payments

→ Faster closing (2-3 weeks vs 3-9 months with banks)

But, most buyers waste time on BizBuySell or cold-calling brokers.

That's not where the best opportunities are.

Here’s what works better:

Structured deal sourcing that targets motivated sellers directly.

Off-market opportunities where owners haven't decided to sell yet but are open to the right offer.

Your deal criteria matters:

Define your "deal box" → desired cash flow, max price, geography, industry focus.

Without clear criteria, you'll chase everything and buy nothing.

The best acquisition opportunities never hit the open market.

They come from direct relationships with business owners who are ready for the next chapter.

Back to Blog

© 2022 A to Z Capital Advisors - All Rights Reserved.

(888) 687 28 69