BUYER'S SIDE·SEVEN-DAY EVALUATIONS·FULL PARTNERSHIP
Buying In

Don't buy a story.

A company, a stake, or a partnership — you're signing for someone else's numbers. We read the records first. Every time.

A note to sellers

If you're selling a business, this page shows you what professional buyers bring to the table. Diligence isn't about finding fault — it's about finding clarity. A well-run business survives scrutiny. Clean records, sound operations, and transparent financials make deals close faster. I work for the buyer, but I respect sellers who run tight ships. That's who closes. If your records are in order, my involvement speeds your sale — a buyer with a clear report writes a firmer offer.

Why This Works

Years of doing this exact work.

I've walked every door. I've talked to owners who didn't want to sell. I've negotiated against people paid to cut your price. I've found the problems in month nine instead of month four. This page isn't theory.

The experience.

Deep into the records — tax returns, bank statements, operating agreements, capital accounts, liability assessments. What the numbers actually say.
Clear on what matters — founder regulatory history, owner dependency, capital structure trade-offs. The whole picture. Before the wire.
Protective — findings get named, clean records get confirmed. When the verdict is "walk," it usually is. Your capital is the client.
The Table

Everyone across from you does this for a living.

The buyer comes with an attorney. A CPA. And now, a consultant who reads records for a living. This isn't personal. It's professional diligence — the same rigor big M&A teams use. A clean business survives this scrutiny. A clean deal closes.

The Ways In

Three doors. Same diligence.

01

The purchase

Whole company. Every risk on you at close. Cleanest, most expensive.

02

The stake

Equity only. You're buying someone's dream or nightmare. The records reveal which.

03

The buy-in

Partnership role + equity. Cheapest door, easiest to get wrong — the operating agreement is everything.

Whichever door — the records get read before you sign. That's the baseline.

Plain Terms

A consultant. On the record.

Not an attorney, CPA, broker, or investment bank. I won't dress up as one. What I do is the buyer's work a big M&A team does on $100M+ deals — research, negotiation, diligence, paperwork — scaled to Main Street deals they won't touch.

Your attorney and CPA review and finalize everything. They start from finished work instead of blank pages. That's why their bills shrink when I'm involved.

Kind to the buyer.
Ruthless with the deal.

The Life Cycle

What to expect, start to keys.

Every deal walks this same road. Here's the shape, the timeline, and what happens if you skip steps.

Prepare & search

1–6 months

Criteria locked in. Budget split into three numbers. Offers read for what they don't say.

Steps 01–02

The evaluation

7 days

Records tested. Verdict in writing: proceed, renegotiate at $X, or walk. No ambiguity.

Step 03 — $2,000 flat

People & terms

1–3 weeks

Owner conversations — the ones that matter. LOI negotiated with protections drafted in.

Steps 04–05

Diligence

30–60 days

Everything verified: books, lease, licenses, liens, capital accounts — plus the city calls.

Step 06

Funding

45–90 days · runs parallel

Every structure priced. Payments tested against your forecast, not the seller's fantasy.

Step 07

Closing

2–4 weeks

File prepared. Your professionals review, finalize, bless. You sign.

Step 08

First 90 days

Months 1–3

Plan runs. KPIs report. You own it. I'm in the corner.

Step 09
6–12 months
listing to keys
Most deals, this pace. Slower deals often have bigger problems to work.

The budget. Three numbers, not one.

The purchase price is only part of what a deal costs. Split your capital before you shop. Most first-time buyers blow this and wonder why month four feels like a panic.

Purchase price — what you pay at close70%
Working capital — cash to run the business20%
Cushion — the slow quarter nobody planned for10%

This split is illustrative. Yours gets computed based on the actual business, not guessed.

The Process

Nine steps. Each one matters.

Open any step: what happens, where it goes wrong, what I handle for you.

01Get clearThe honest budget, in three numbers.+
What happens

You define what you're entering — and what it truly costs.

Where it goes wrong

The whole savings becomes the purchase budget. Then the deal closes and there's nothing for working capital or the slow first quarter.

What I handle

Price, working capital, cushion — separated into three numbers before you search for a single business. Plus a search box worth trusting: size, industry, structure, geography.

02The searchListings are sales documents, not analysis.+
What happens

Listings, brokers, quiet deals, or the partner who cold-pitched you.

Where it goes wrong

Falling in love on the first look. A listing is an advertisement. So is a pitch.

What I handle

Reading offers for what they don't say. Real shortlisting. First contact phrased so your interest never reads as desperation.

03The evaluationSeven days. The verdict in writing.+
What happens

The story tested against tax returns, bank deposits, payroll, the lease, customer records.

Where it goes wrong

Taking "adjusted" earnings at face value. Adjustments are opinions in a nice font. You're buying the business as it is, not as the seller's fantasy.

What I handle

Real earnings, verified. Every liability named with a plan to overcome it. Funding picture. Your forecast under your ownership. One report, one verdict: proceed, renegotiate at a number, or walk.

04The peoplePolite questions get polished answers.+
What happens

You sit down with the owner — or the future partner.

Where it goes wrong

The important questions feel rude. Background goes unchecked because everybody likes everybody.

What I handle

The questions experience asks, asked kindly. Track record. Litigation. Liens. Prior entities and how they ended. Checked, not assumed.

05The termsThe terms carry the risk.+
What happens

The LOI — price, structure, contingencies. For buy-ins: the split and the operating agreement.

Where it goes wrong

Negotiating alone against people who do this weekly. The price gets the attention; the terms carry the risk.

What I handle

The negotiation, your side of the table. Terms drafted with protections in. Your attorney reviews before anything binds. Always.

06DiligenceThe wire makes their problems yours.+
What happens

Everything verified: books to bank, lease, licenses, liens, capital accounts, employee records.

Where it goes wrong

Skipping steps to keep a friendly seller friendly. Diligence is the last moment their problems are theirs.

What I handle

The full checklist — including the actual calls to the city and county. Findings in plain English: fix it, reprice it, or walk because of it.

07The moneyThe structure is a price.+
What happens

The funding blend — savings, SBA, bank, seller note, partner capital.

Where it goes wrong

Taking the first approval. The structure itself is a price: different ways to raise the same money can spread your payback by hundreds of thousands.

What I handle

Every option mapped and priced. Payments tested against your forecast — not the seller's optimism.

08Paper & closingJudgment, not assembly.+
What happens

Agreements, disclosures, assignments, license transfers, the closing itself.

Where it goes wrong

Paying professionals by the hour to build documents from scratch.

What I handle

The complete closing file, prepared. Your attorney and CPA review, correct, finalize. Smaller bills. Same protection. Nothing signs without their blessing.

09The first 90 daysYou own it now.+
What happens

Employees, customers, every promise the last owner made.

Where it goes wrong

Entering with no map. The first ninety days set the tone for years.

What I handle

The business plan, the forecast, the KPIs for week one and year two — set up before you need them. I'm in the corner, loud when it matters.

From the Files

Real outcomes. Records read first.

Anonymized from real engagements. Names, locations, and identifying figures altered or rounded. The pattern is the point.

$150K Venture Equity | Pre-Product Startup

VERDICT: DECLINE
A first-time angel investor considering a $150,000 discounted equity stake in a pre-product venture. The pitch: "Investors are lined up." The founder's presentation emphasized patent portfolio and market opportunity.
Regulatory history: A securities-industry bar and a seven-figure regulatory settlement in the founder's past — surfaced under a different name than the one on the deck.
No co-investors verified: Despite claims of lined-up capital, zero external funding materialized. Buyer's check would have been first capital in.
IP risk: "Patents granted and pending" on the deck. Actual audit found one narrow grant lacking commercial utility and provisionals lapsing unconverted.
Impact: Capital preserved: $150,000. Downstream exposure avoided: $50K–$100K in legal and recovery costs over 4 years. The evaluation took 7 days.
All details anonymized to protect buyers and sellers.

$700K Wellness Clinic Investment | Multi-Location Merger

VERDICT: PROCEED (RESTRUCTURED)
Two established clinics combining under one roof. A $700K capital plan over two years. Multiple service lines, three partners, one incoming investor. The handshake was solid. The equity split was not.
Valuation precision: Both entities valued from their records, not the handshake. The equity split was computed to the dollar — replacing the informal "equal-ish" plan on the table.
P&L restructured on paper first: One location's losing month penciled to a profitable one after redundancy cuts — a swing of roughly $58K a month, found before the signatures, not after.
Capital accounts trued: Six figures of prior contributions documented — who funded what, who still owed — before close, so no disputes after.
Impact: Three partners entered with a clear map. No surprises in month four. The first 90 days ran on plan instead of chaos. The structure protected all three.
All details anonymized to protect buyers and sellers.

$875K Capital Structure Comparison | Acquisition Funding

VERDICT: STRUCTURE IS THE PRICE
A buyer ready to close on an $875,000 acquisition. Six paths to raise the capital: SBA, bank refi, HELOC, 401(k) business financing, portfolio loan, unsecured. Each looked cheap at first glance. Total payback told a different story.
Priced to total payback: Every structure computed on rate, term, and fees — not the monthly payment on the brochure.
The spread: Roughly $700,000 in total payback between the cheapest and most expensive path — on the same principal.
Stress-tested: Payments run against the buyer's forecast, not the seller's optimism.
Impact: The buyer chose the structure they could survive if the forecast missed — not the cheapest sticker. Structure is a price. It gets computed before you commit.
All details anonymized to protect buyers and sellers.
Your Side

A rooster in your corner.

Loud early. Protective always. Very hard to sneak past. Every call, every negotiation, every finding, every page your professionals review and finalize — from the first listing to your first quarter as the owner. You're not paying for approval. You're paying for protection.

The Price

Flat fees. No commissions. No surprises.

The Evaluation

$2,000

Seven days. One report, one verdict: proceed, renegotiate at $X, or walk. If it doesn't earn its fee, you don't pay it.

Full Partnership In Your Corner

$10,000+

Every step on this page, together. Scoped and quoted before we start. The evaluation credits toward it. Invite only.

After You Own It

The Diagnostic. For everything after.

Once the keys are yours, the work changes. Owning it well is its own craft. Most buyers keep me on — the operating plans, the forecasts, the quarterly read of the numbers. The Diagnostic installs the systems that remove you →

Questions

Asked plainly. Answered the same.

I've bought businesses before. Why this?+

Then you know where the bodies get buried. The evaluation beats your last diligence for speed, and the paperwork prep shrinks your professional bills.

I've never done this. Is that a problem?+

Half the reason this page exists. You bring capital and judgment. I bring the reps and the track record of deals reviewed.

Do I still need an attorney and a CPA?+

Yes. Always. Nothing binds without them. We make their work smaller and sharper. We don't replace it. If anyone says otherwise, don't hire them.

Are you a broker?+

No. No listings, no brokerage. Flat fees, your side of the table, that's it.

What if the verdict is walk?+

Then the report just saved the purchase price. And when the records are clean, the report says clean — that closes deals faster, not slower.

Does this cover partnership buy-ins?+

Yes. The company, the partner, the split, the capital accounts, the operating agreement. The cheapest door in gets the most scrutiny, not the least.

How long does the full partnership take?+

6–12 months most deals, listing to keys. Some run slower because they have bigger problems to work. Better to catch them early than in month four.

What's included in the full partnership?+

All nine steps on this page: prep, search, evaluation, owner talks, negotiation, diligence, funding, closing file prep, and the first 90 days. I'm in every one.

The records first. Then the signature.

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