Guides

Buying a business, explained.

Plain-English walkthroughs of the things every first-time buyer runs into — earnings, financing, reading the books, and knowing what to ask.

What is SDE? Seller's Discretionary Earnings explained

SDE is the number that tells you what a small business really earns for its owner. Here's how it works, why add-backs matter, and how to check one.

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How SBA 7(a) down payments and equity injection work

How much do you really need to put down to buy a business with an SBA loan? Here's what equity injection means, where the money can come from, and the rules that trip buyers up.

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How to read a seller's financials when the books are messy

Small-business books are almost never clean. Here's how to make sense of a seller's tax returns and P&Ls, what messiness is normal, and which red flags actually matter.

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The questions to ask a seller before you make an offer

The financials tell you what a business earned. They don't tell you why, or whether it lasts. Here are the questions that separate a good buy from an expensive mistake.

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