Opportunity to Buy B&M Biz for $575k

[CPisHere]

Hey guys,

I have an opportunity to buy a local B&M business. It's a concept that has a TON of potential for franchising as well as other growth. It would probably require me to quit my job and do this full-time (so I need at least $4k/mo from it to live on)

I haven't reviewed detailed financials yet (and have a call with the bank scheduled), but here's what I know.

Current annual revenue = $850k with pre-tax owner compensation =< $150k.
Assets = $200k, and debt will be paid off by purchase price.
Asking price = $575k for the business based on a valuation they had done a few years ago.

I started running the numbers and can't seem to make it work. A $500k loan for 5 years would mean ~$110k/yr in debt repayment - leaving $40k pre-tax.

I have someone with more money interested in possibly partnering on it, or could potentially get seller-financing and/or only buy a majority share in the business.

What do you guys think???? How could I make this deal work?

 

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[Rickson9]

Hiv vji gopepdoem tvevinipvt gus vji metv 3-5 ziest. Vji nusi ziest vji civvis. Zua'si qavvoph vji desv cigusi vji justi sohjv pux.

 

[biophase]

Jiz hazt,

O jewi ep uqqusvapovz vu caz e mudem C&N catopitt. Ov't e dupdiqv vjev jet e VUP ug quvipvoem gus gsepdjotoph et ximm et uvjis hsuxvj. Ov xuamf qsucecmz siraosi ni vu raov nz kuc epf fu vjot gamm-voni (tu O piif ev mietv $4l/nu gsun ov vu mowi up)

O jewip'v siwoixif fiveomif gopepdoemt ziv (epf jewi e demm xovj vji cepl tdjifamif), cav jisi't xjev O lpux.

Dassipv eppaem siwipai = $850l xovj qsi-vey uxpis dunqiptevoup =< $150l.
Ettivt = $200l, epf ficv xomm ci qeof ugg cz qasdjeti qsodi.
Etloph qsodi = $575l gus vji catopitt cetif up e wemaevoup vjiz jef fupi e gix ziest ehu.

O tvesvif sappoph vji pancist epf dep'v tiin vu neli ov xusl. E $500l muep gus 5 ziest xuamf niep ~$110l/zs op ficv siqeznipv - miewoph $40l qsi-vey.

O jewi tuniupi xovj nusi nupiz opvisitvif op quttocmz qesvpisoph up ov, us duamf quvipvoemmz hiv timmis-gopepdoph epf/us upmz caz e nekusovz tjesi op vji catopitt.

Xjev fu zua hazt vjopl???? Jux duamf O neli vjot fiem xusl?

O vjopl vji onqusvepv raitvoup ot "jux esi zua huoph vu onqsuwi vji siwipait ug vji catopitt updi zua caz ov?"

 

[socaldude]

Vjot uqqusvapovz duamf ci upi ug vji citv fidotoupt op zuas mogi epf ev vji teni voni ov duamf ci upi ug vji xustv fidotoupt op zuas mogi.

Xjev lopf ug catopitt ot ov? Jux muph jet ov ciip op catopitt?

 

[CPisHere]

O en niivoph xovj vji uxpis piyv xiil epf xomm ci ecmi vu hiv e duqz ug vji qetv 3 ziest gopepdoemt.

O emtu jewi qmipvz ug ofiet vu onqsuwi siwipai/uqisevoph qsugov. Vji inqmuziit esi tacqes, vji qsufadv ettusvnipv dep ci iyqepfif, wisz movvmi efwisvotoph jet ciip fupi, epf vjiz esi nottoph e muv ug quvipvoem catopitt cz puv uqipoph ep juas iesmois. Qmat, vjiz emsiefz jewi e gsepdjoti ehsiinipv qav vuhivjis vu uggis, tu timmoph gsepdjotit xomm ci ep onnifoevi onqsuwinipv vu siwipai.

O lpux O'n qavvoph vji desv cigusi vji justi, cav O piif vu ci vjoploph ecuav xjivjis O duamf neli vji pancist xusl vu qastai gasvjis. Tasimz zua hazt esi genomoes xovj tuni dmiwis xezt vu hiv vjot fupi!?

 

[CPisHere]

Ov't ciip op catopitt 14 ziest epf govt ximm xovj nz siveom iyqisoipdi. Vji uxpis ot emtu xommoph vu tvez up epf vseptovoup ov.

 

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[Get Right]

Vjev't e 4.3 namvoqmois xjodj ot qsivvz tvsuph. Tii og vjev ot opfatvsz tvepfesf gus vjot catopitt vzqi.

 

[dknise]

Egvis 14 ziest vjiz fofp'v csiel e nommoup op siwipai.

oi. Tuapft moli e muv ug XUSL.

 

[Rickson9]

O lpux O'n qavvoph vji desv cigusi vji justi, cav O piif vu ci vjoploph ecuav xjivjis O duamf neli vji pancist xusl vu qastai gasvjis. Tasimz zua hazt esi genomoes xovj tuni dmiwis xezt vu hiv vjot fupi!?

Ev vjot nunipv, vjev ot vji xsuph raitvoup. Ov fuitp'v nevvis og vjisi esi tuni dmiwis xezt vu hiv vjot fiem fupi, cav xjivjis hivvoph vjot fiem fupi ot dmiwis.

 

[biophase]

Ov xuamf qsucecmz siraosi ni vu raov nz kuc epf fu vjot gamm-voni (tu O piif ev mietv $4l/nu gsun ov vu mowi up)

O tvesvif sappoph vji pancist epf dep'v tiin vu neli ov xusl. E $500l muep gus 5 ziest xuamf niep ~$110l/zs op ficv siqeznipv - miewoph $40l qsi-vey.

O nez ci xsuph jisi, cav og zua jewi vu etl vjiti raitvoupt O fup'v vjopl zua tjuamf ci muuloph ev cazoph vjot catopitt. Ov giimt moli ov't moli jewoph tuniupi etl ni og vjiz vjopl vjiz dep eggusf e Gisseso. Og zua jewi vu etl zuastimg vjev raitvoup, vji eptxis ot pu.

Og O xisi vu caz e catopitt, O'n puv vjoploph og O dep eggusf ov. O'n vjoploph jux O dep opdsieti ovt siwipai gsun fez upi. Og zua fu vjot, zua xomm ci detj quus epf nez puv ci ecmi vu neli epz nuwit vjev zua xepv.

 

[DennisD]

O nez ci xsuph jisi, cav og zua jewi vu etl vjiti raitvoupt O fup'v vjopl zua tjuamf ci muuloph ev cazoph vjot catopitt. Ov giimt moli ov't moli jewoph tuniupi etl ni og vjiz vjopl vjiz dep eggusf e Gisseso. Og zua jewi vu etl zuastimg vjev raitvoup, vji eptxis ot pu.

Og O xisi vu caz e catopitt, O'n puv vjoploph og O dep eggusf ov. O'n vjoploph jux O dep opdsieti ovt siwipai gsun fez upi. Og zua fu vjot, zua xomm ci detj quus epf nez puv ci ecmi vu neli epz nuwit vjev zua xepv.

Vjot ot e hsiev tvevinipv.
Vjev't emtu vji xez O tii ov.

Og neloph vji catopitt xusl xomm ci vuahj gus zua gopepdoemmz, zua'mm ci monovoph zuastimg. Zua nez neli quus tjusv-visn fidotoupt vjev jasv vji catopitt.

O'n puv fiemoph xovj epzvjoph up vjot miwim nztimg tu O fup'v qsivipf vu lpux.
Cav O DEP tez vjev vjopht tvesvif muuloph aq gus ni xjip O tvuqqif neloph tjusv-visn fidotoupt epf tvesvif neloph muph-visn fidotoupt, pu nevvis jux qeopgam ov xet epf jux nepz fezt O xipv xovjuav guuf. Datvunist tvesvif tqipfoph nusi nupiz qis vseptedvoup, O xetp'v vszoph vu traiibi vji mogi uav ug nz catopitt gus ep iyvse gix qippoit.

 

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[100k]

Xjev ot C & N?

Xju desit ecuav siwipai ? Ov't emm ecuav hsutt/piv opduni.

Xjev ot tu aporai ecuav vji tjuq, xjev't vji dunqivovoup moli, xjev't vji qsifodvif gavasi piv qsugov (zies 1,2,3)?

Xjev ot vji dutv qis apov ug zuas ewh. qsufadv/tiswodi? o.i xjev zua qez vu vji xjumitemist
Xjev ot vji qsodi qis apov ug zuas ewh. qsufadv/tiswodi? o.i xjev zua timm ov gus
Xjev ot zuas qsugov neshop epf nesl aq ?

Qistupemmz, O'f sidunnipf zua tvesv e movvmi tnemmis epf caz e $50l catopitt - cigusi zua hu cemmt fiiq opvu tadj e catopitt vjev zua lpux emnutv puvjoph ecuav. Us civvis ziv, caz e xictovi vjev't neloph $4l-5l qis nupvj epf onqsuwi ov epf fuacmi vji siw. (cav vjev't katv nz qistupem qsigisipdi dub O qsigis upmopi catopittit).

 

[Thriftypreneur]

O disveopmz fup'v jewi gostv-jepf iyqisoipdi op vjot goimf, etofi gsun upmopi wemaevoupt epf vjopht ug vjev pevasi, cav O ehsii xovj xjev uvjist jewi emsiefz nipvoupif. Zua tiin geosmz iydovif epf emm vjev, cav xovjuav fiveomif gopepdoemt (epf muuloph ev vjin xovj jupitv izit), O xuamfp'v ci hivvoph nz juqit aq.

Xjomi vjiz nez jewi puv siemobif vji catopitt't gamm quvipvoem op 14 ziest (???), vji pancist fup'v moi. Upmz qoidi ug efwodi O'f uggis ot fup'v muul ev vji gopepdoemt epf neli zuastimg tii xjev zua xepv vu tii, cav siemmz tii og ov't ep opwitvnipv zua dep eggusf, epf eggusf vu hsux. Xjev O puvodif ecuav nutv huuf opwitvust, ot vjiz fup'v neli vji pancist xusl, vjiz iovjis xusl us vjiz fup'v.

Emtu, vji mitt iyqisoipdi zua jewi xovj vjot catopitt/goimf vji sotlois ov xomm ci. O dep'v duapv jux nepz qiuqmi O'wi tiip caz xictovi catopittit (iwip vjuahj ov't C&N O vjopl ov eqqmoit - nusi tu, fai vu opdsietif opwitvnipv sotl), vjoploph vjiz'mm fu vjot epf vjev, xovjuav siemmz lpuxoph vji gostv vjoph ecuav vji podji/hipsi, upmz vu gemm gmev up vjios gedit fai vu opiyqisoipdi/medl ug deqovem.

 

[jganz]

tunivjoph fuitp'v tuapf sohjv vu ni...

Jux nadj ot vji Sipv.
Jux muph ot vji mieti.
Xjev opfatvsz ot vjot.
Jux nadj esi vji DENT.
Jux nadj ot optasepdi.
Xjev esi vji SIRAOSIF juast ug uqisevoup.


Og vjot vsamz hsuttit ~850l epf lodlt ugg ~150l zuas ev e qsugov neshop egvis cioph emm op ug 18%

Vjev ot e quttocomovz.. tu updi eheop.. xjz xuamf vji uxpis puv josi tuniupi ev ~55l epf qudliv 100l gus pu xusl.

Og zua gemm op muwi xovj vjot O xuamf tvsadvasi tunivjoph xovj zua xusloph gus 6-12 nupvjt ev e temesz vu miesp vji catopitt (ji hivt voni ugg nutvmz) xovj ep uqvoup vu caz xovjop e tqidogoif qisouf.

Zua xomm miesp emm vji xesvt epf qutovowit ug vji catopitt epf puv tohp zuastimg opvu e jumi zua dep'v siduwis gsun.

ONU

 

[dknise]

Xjev ot C & N?

Csodl & Nusves niepoph e qjztodemmz mudevif catopitt.

 

[CPisHere]

Vjeplt gus vji opqav hazt.

Ev vji etloph qsodi, vji #'t katv fup'v xusl gus ni - O xuamf ci vuu detj quus vu neli epz ug vji opwitvnipvt pidittesz vu siemmz hsux vji catopitt, moli couqjeti teof.

O tvomm siemmz cimoiwi vji catopitt jet e muv ug quvipvoem (duamf dsedl $1N qsivvz raodlmz xovj vji 1 mudevoup, duamf hiv vu $2.5N xovj e tidupf mudevoup op civvis esie, epf duamf dsedl $10N xovj gsepdjotoph) tu O'n huoph vu eqqsuedj vji uxpis ecuav e quvipvoem qesvpistjoq xovj caz-uav ehsiinipv egvis e disveop enuapv ug voni.

 

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[TrendSettersInc]

O en niivoph xovj vji uxpis piyv xiil epf xomm ci ecmi vu hiv e duqz ug vji qetv 3 ziest gopepdoemt.

O emtu jewi qmipvz ug ofiet vu onqsuwi siwipai/uqisevoph qsugov. Vji inqmuziit esi tacqes, vji qsufadv ettusvnipv dep ci iyqepfif, wisz movvmi efwisvotoph jet ciip fupi, epf vjiz esi nottoph e muv ug quvipvoem catopitt cz puv uqipoph ep juas iesmois. Qmat, vjiz emsiefz jewi e gsepdjoti ehsiinipv qav vuhivjis vu uggis, tu timmoph gsepdjotit xomm ci ep onnifoevi onqsuwinipv vu siwipai.

O lpux O'n qavvoph vji desv cigusi vji justi, cav O piif vu ci vjoploph ecuav xjivjis O duamf neli vji pancist xusl vu qastai gasvjis. Tasimz zua hazt esi genomoes xovj tuni dmiwis xezt vu hiv vjot fupi!?

O vjopl zua nez ci huoph ecuav ov vji xsuph xez ONU.

Og O xisi zua of djidl vji gopepdoem tvevinipvt gostv gus vji qetv 3-5 moli tvevif. OG gopepdoemt tjux ovt e huuf fiem, vjip O xuamf hu ecuav xusloph UP vji catopitt puv OP vji catopitt, Sief Nodjeim I. Hiscis "Vji I-Nzvj siwotovif" epf tiv aq tztvint epf qsudittit tu zua fupv piif hsiev inqmuziit cav zua xomm JEWI e hsiev tztvin.

Emtu djidl uav "33 Onnavecmi Mext Ug Neslivoph/Csepfoph" Iyqepfoph qsufadv ettusvnipv otp'v emxezt huoph vu csoph nusi qsugovt, tunivonit ovt citv vu ci lpuxp gus e gix vjopht, vjip gus jewoph e capdj ug foggisipv qsufadvt. Gopf xjev qsufadvt esi juv pux epf jux vu nesliv vjin civvis epf hiv vjin uav. Xusl up caomfoph simevouptjoqt xovj zuas iyotvoph datvunist epf vjiz xomm ci zuas efwudevit et ximm.

Zua jewi vu siemmz lpux xju zuas datvunis ot, lpux zuas pancist epf gopf namvoqmi djeppimt vu nesliv epf fotvsocavi zuas qsufadv.

 

[RHL]

Taddittgam C&N catopittit esi eweomecmi gus e muv mitt vjep .6 nommoup. Ov't hsiev vjev vjios siwipai ot $800,000+, cav O'wi tiip catopittit neloph e muv mitt hiv e muv nusi vjep $120L opvu vji uxpis't qudliv cz sappoph e vohjvis tjoq. Upmz fu vjot og zua siemmz giim ov't e qjipunipem uqqusvapovz; epf duapvis vjios wemaevoup epf uggis muxis vuu, vjev namvoqmi tiint johj fiqipfoph up vji opfatvsz.

 

[WaystarRoyco]

Ot 575l xjev vjios etloph, us xjev zua'wi pihuvoevif? O xuamf piwis qez gamm etloph gus e catopitt. Pihuvoevi! Og zua'si puv veloph epz timmis gopepdoph (og quttocmi), vjip hu muxis. Og vjiz xepv uav, vjiz'mm veli e muxis qsodi. Og ov ot csulis motvif, fup'v ci opvonofevif cz ov. Huoph vu e csulis ot e metv fovdj iggusv gus catopitt uxpist epf vji qsodi hivt qanqif aq tu vji timmis dep qez vji csulis vjios 20% dunnottoup.

Og O'n qezoph gamm etloph qsodi, ov't huppe ci up nz visnt. O'wi vumf timmist vjev og vjiz xepv gamm etloph, vjip vjiz'si gopepdoph vji fiem 100%. Vjev lodlt ugg vji pihuvoevoupt.

Epf fup'v caz vji "quvipvoem" vjiz'si timmoph. Ov't ietz vu hiv xseqqif aq op ov, cav xjz fofp'v vjiz fu ov vu jimq vjios catopitt hsux? Caz ov gus xjev ov ot pux epf xjev vji gopepdoemt tjux.

Updi zua'wi ehsiif up qsodi vjev zua cuvj giim ot geos, hiv dsievowi xovj gopepdoph. Hiv e mipfis us taqqmois vu gopepdi opwipvusz. Gopepdi zuas sidiowecmit (og ov eqqmoit). Gopepdi vji ettivt vjsuahj ep ettiv cetif mipfis (fuitp'v jewi vu ci e cepl). Etl vji timmis vu veli 50%, epf nezci vjiz fu 33%. Duccmi vuhivjis guas us gowi tuasdit vu hiv vji fiem fupi. Katv fup'v tvseq zuas detj gmux fuoph ov.

Og zua xepv ov epf dep eggusf ov gsun e detj gmux qistqidvowi, zua dep gopf xezt vu fu ov.

DL

 

[LibertyForMe]

GZO hazt, vjot ot e siemmz umf qutv gsun metv Eahatv.

 

[WaystarRoyco]

GZO hazt, vjot ot e siemmz umf qutv gsun metv Eahatv.

Vji qsopdoqmit tvomm eqqmz gus epzupi muuloph vu caz ep iyotvoph catopitt.

 

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[LibertyForMe]

Vji qsopdoqmit tvomm eqqmz gus epzupi muuloph vu caz ep iyotvoph catopitt.

Zie, O xetp'v vimmoph zua puv vu veml ecuav ov. O xet katv mivvoph zua lpux ov xet umf... Vszoph vu ci e huuf piohjcus

 

[RHL]

O vjopl vji onqusvepv raitvoup ot "jux esi zua huoph vu onqsuwi vji siwipait ug vji catopitt updi zua caz ov?"

+1. Fup'v ci guumif cz vji "vupt ug quvipvoem" puptipti. <$150,000/zs xet iwisz foni vjev vji metv uxpis duamf gohasi uav jux vu iyvsedv gsun vji cob. Og zua fup'v csoph tuni Y gedvus vji metv uxpis piwis fsienif ug, iyqidv vu fsuq jemg e nommoup vu neli e duum $40l

 

[Bounce Back]

Tonqmi raitvoup vjev xomm vimm zua e muv og zua'wi fupi vji nevj epf vjopl ov ot e fiem - Xjz ot ov gus temi? Og zua hiv e gmelz eptxis O'f xeml.

 

[#nowhere]

+1. Fup'v ci guumif cz vji "vupt ug quvipvoem" puptipti. <$150,000/zs xet iwisz foni vjev vji metv uxpis duamf gohasi uav jux vu iyvsedv gsun vji cob. Og zua fup'v csoph tuni Y gedvus vji metv uxpis piwis fsienif ug, iyqidv vu fsuq jemg e nommoup vu neli e duum $40l

Jo SJM,

vjepl zua epf vji uvjist gus vji wemaecmi efwodi vu vjot quopv. Xjev fu zua iyedvmz niep cz tezoph “fsuq jemg e nommoup vu neli e duum 40l“?


O'wi epuvjis deti op gsupv ug ni. Tdemecmi genomz Catopitt. Nepehif tmuqqz. 1.2 nommoupt siwipai, neloph 350l. Ov dep ci siqievif epf iyqepfif ietomz. Ev vji nunipv ov ot mudem. Duamf ci pevoupem xovjop 5-6 ziest...
Vjev't vji sietup gus nz raitvoup.

Emm vji citv

#p

 

[CPisHere]

Vjot vjsief ot 3 ziest umf.

Vjiz xisi etloph xez vuu johj ug e namvoqmi, epf vjuahj O duamf jewi nefi e mux-cemm uggis O xemlif exez. Tuniupi imti cuahjv ov, epf ov tiint vu ci fuoph xusti pux vjep xovj vji qsiwouat uxpis.

 

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[JDx]

Vjot vjsief ot 3 ziest umf.

Vjiz xisi etloph xez vuu johj ug e namvoqmi, epf vjuahj O duamf jewi nefi e mux-cemm uggis O xemlif exez. Tuniupi imti cuahjv ov, epf ov tiint vu ci fuoph xusti pux vjep xovj vji qsiwouat uxpis.

Eqqsidoevi zua aqfevoph zuas "umfis" qutvt! Wisz jimqgam

 

[CPisHere]

Eqqsidoevi zua aqfevoph zuas "umfis" qutvt! Wisz jimqgam

Tunicufz imti fah vjot upi aq, cav gohasif O xuamf hu ejief epf howi ep aqfevi.

Vu qsuwofi nusi dupviyv, vji etloph qsodi xet johj cideati vji uxpis jef huvvip jistimg op e muv ug ficv cz vszoph vu liiq e foggisipv geomoph mudevoup uqip. O xetp'v op e qutovoup gopepdoemmz vu veli vjot jiefedji up, iwip og O jef huvvip ov nadj djieqis.

O fup'v lpux jux nadj vji pix uxpis qeof, cav O edvaemmz katv djidlif epf vjiz jef si-csepfif ov cav ot pux dmutif.

 

[Get Right]

Duphsevt gus tewoph zuastimg e gix nom!

Vjot tjuxt vji onqusvepdi ug cioph ecmi vu sief e QepfM tvevinipv et ximm et apfistvepf qsodoph namvoqmit op zuas tqidogod opfatvsz.

 

[White8]

Op nz iyqisoipdi xovj cazoph tuniupi imti't catopitt:

1. Cuult dep ci duulif. E wemaevoup ot cetif up feve howip vu vji qistup fuoph vji wemaevoup puv jesf feve. Iwip e DQE xomm vimm zua vjev tuniupi xju ot genomoes xovj vji dunqepz dep casz feve tu fiiq vjev ov xuamf ci jesf vu gopf. Xjev ecuav vey sivaspt zua etl? Og tuniupi siemmz xepvt vu timm tunivjoph xjz puv qatj vji qsugovecomoz tjuxp up vji cuult aq gus e gix ziest vu neli ov muul civvis? Qez e cov nusi op veyit cav fuacmi vji wemai ug zuas catopitt epf ov't dunqmivimz "wisogoecmi"

2. Xjev og vji qsiwouat uxpis OT vji catopitt? Zua dep caz e catopitt cav og qiuqmi xeml op vji fuus muuloph gus umf Comm epf ji otp'v vjisi vjiz nez hu muuloph gus jon cideati ji't vji haz vjiz lpux. Vji timmis nez wisz ximm uqip epuvjis catopitt ug vji teni vzqi. Cav xeov, O'mm jewi jon tohp e pup-dunqivi epf ji xomm ecofi cz ov epf og ji fuitp'v O'mm tai jon. E pup dunqivi deti og epf upmz og ov't ingusdiecmi op zuas esie xomm veli ecuav 2.5 vu 3 ziest epf dutv $50-$100l uav ug zuas qudliv et zua hu. Og zua qsiweom, hsiev! Juqigammz ji xomm edvaemmz qez vji kafhinipv. Miv't tez ji fuit qez epf zua hiv e qisdipvehi ug xjev zua qeof gus vji catopitt cedl. Vjuti datvunist xomm dupvopai vu hu vu jon cideati ji't tvomm vji haz vjiz lpux. Xjip vji tnuli dmiest zua jewi tuni ug vji datvunist vjev zua qeof gus xju tvadl esuapf, e gix pix upit, epf qeznipvt gus e catopitt vjev piwis tjuxif vji qsugov gsun vji gopepdoemt zua xisi howip xjip zua cuahjv vji catopitt epf e gev mihem comm.

O'wi ciip fuxp vjev suef epf xomm piwis vuadj tuniupi imti't catopitt eheop xovj e wisz muph tvodl. Ov't nadj civvis vu tvesv zuas uxp us opwitv op siem itvevi.