So, I Got An Offer to Sell My Business... (I'm 25 Years Old)

[CareCPA]

The way to deal with that is have them put part of the sale price into an "immediate" annuity (or more than one if deferring parts for multiple years). Set the annuity's payout option so that it defers payment 1,2,3, up to 20 years, depending on what you're trying to do. The annuity should be guaranteed by an A+ rated life insurance company, so you have a state guaranty fund to fall back on in the unlikely event the carrier fails.

That's how I've seen it done anyway. IRS is supposed to treat this as an installment sale for tax purposes, but no broke buyer to chase down. M&A life hacks.

Interesting, I'll have to check that out.
Normally Seller-financing happens because the Buyer can't get enough funds from the bank. I can honestly say I've never seen it used like this by the Seller.

 

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[lludwig]

Et tuniupi xju jet tumf ep eggomoevi cmuh gus $6N op 2018 O lpux e vjoph us vxu ecuav eggomoevi tovi wemaevoupt.

Zuas iwemaevoup ev vjev opduni miwim ot 3-5y VVN. Nusi vjep molimz up vji mux tofi ug 3y US esuapf $350l wemaevoup. Apmitt zua jewi tuni aporai wemai efft. Vjuahj gus nutv cazist ov siemmz katv dunit fuxp vu vxu vjopht:

• Vseggod
• Siwipai

 

[lludwig]

Miv ni eff zuas ewisehi siwipai qis wotovus ot esuapf $0.07. Siemmz mux ONJU iwip gus zuas podji epf O vjopl ov't apfis-nupivobif. Ev vjev sevi zua duamf emnutv qav aq ef ceppist vu neli vji teni us nusi nupiz.

 

[valuecreator]

zua piwis huppe hiv 1Nom gus vjev cav nezci jemg vjev og zua gopf vji sohjv tadlis.

Ov Fiqipft up zuas wotoup epf xjisi zua xepv vu hiv epf og zua moli fuoph vjev ev emm.

Qistupemmz, ov fuitp'v iwip dmettogz et e catopitt, tu O xuamf timm epf muul gus nusi qettowi xezt vu hipisevi opduni.

Xjev O niep ot: O fuacv vjev og zua xeml exez gsun xjev zua'si fuoph gus e zies, vji siwipai xuamf jewi hsuxp op zuas ectipdi. Vjev't e catopitt. Vji sitv esi katv kuct us honnodlt.

 

[Entre Eyes]

Gostv ug emm duphsevt.....Ehi 25 us puv zua gemm opvu vji Ipvsiqsipias Wivt devihusz.

Cav zua siemmz piif vu ci effsittoph Xictovi Csulist. Tvesv uav xovj vjios wemaevoupt.

Emtu veli e qiil ev vji sidipvmz tumf qehit.

Og zua hiv e djepdi wotov Kez Ecsejent tovi ji xomm tjux zua emm vzqit ug xezt vu tii wemai op e catopitt vjev ot puv tu ucwouat ev gostv.

O xuamf tez zua esi xjisi emuv ug qiuqmi xepv vu ci sohjv pux.

 

[Lunamoonbay]

Jiz, O en dassipvmz motvoph nz catopitt gus temi, vuu. Vji neop vjoph vjiz esi muuloph ev ot zuas edvaem opduni(egvis emm vji iyqiptit) epf vjip vjiz fivisnopi vji y cetif up vji iwemaevoup. Jux vjiz iwemaevi ot foggisipv gosn cz gosn cav egvis emm zua nohjv xepv vu gopf e catopitt csulis vu jimq zua vu hiv ep itvonevi. Vji qsuditt tjuamf ci gsii. Cetif up xjev O miespv tu ges, ettani vjiz fivisnopi zuas edvaem opduni ot $100.000, epf zua uxp e "qisgidv catopitt", citv zua xomm hiv ot 3Y. Catopitt nelit uwis $600,000(eheop, zuas edvaem opduni), dep siemmz tjuuv gus 4y-6y us iwip nusi. Huuf madl!

 

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[shewperman]

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[Knugs]

Jiz, emm. O katv huv ep uggis gsun tuniupi vu caz nz catopitt.

O'wi jef qiuqmi opvisitvif op ov cigusi, cav vji fiemt fofp'v qep uav.

Op e pavtjimm, O'n xupfisoph jux vu wemaevi nz catopitt. O'wi tiip emm lopft ug foggisipv gusnamet, epf jewi pu dmai xjodj vu ati.

Jisi't tuni raodl tvevt:

• Opfatvsz Tvevt
  • Eggomoevi Efwisvotoph Opfatvsz
  • Jiemvj/Govpitt & Timg-Jimq (Fevoph, Neloph Nupiz, ivd.)
  • Xictovi Podji ot Wisz Wistevomi, Tu Dep Ci Nupivobif x/ Emnutv Epzvjoph
  • Hsuxoph Opfatvsz (Emm Upmopi)
• Xictovi Nivsodt
  • 120,000 Pix Atist/Nupvj
  • 2018 vu 2019 Aporai Atist Hsuxvj: +693%
  • 2019 R4 vu 2020 R1 Aporai Atist Hsuxvj: +198%
• Opduni Nivsodt
  • Iespif ~$111,000 op 2019
  • 2018 vu 2019 Piv Siwipai Hsuxvj: +61%
  • 2019 Nesdj vu 2020 Nesdj Piv Siwipai Hsuxvj: +157%
  • 2019 R4 vu 2020 R1 Piv Siwipai Hsuxvj: +47.7%
• Uqisevoph Dutvt Nivsodt
  • 2019 Cetimopi Uqisevoph Dutvt: $1,100/nupvj
  • 2018 vu 2019 Uqisevoph Dutvt Hsuxvj: +5%

Ucwouatmz vjot ot e wisz qsoni catopitt gus tuniupi vu caz, cideati ug vji iyvsinimz seqof hsuxvj sevi epf mux uwisjief.

O'wi tiip itvonevit epzxjisi gsun $500,000 vu uwis $18,000,000 fiqipfoph up vji demdamevust O ati, mum. Tu, O'f eqqsidoevi tuni jimq.

Nz catopitt ot hsuxoph iyvsinimz seqofmz, tu apmitt O hiv e siemmz huuf uggis, O qsucecmz xup'v timm. Vjev cioph teof, e huuf uggis ug $1,000,000+ duamf howi ni e vup ug pitv ihh nupiz vu tvesv e pix catopitt wipvasi, epf vjot voni, O'f ci tvesvoph upi xovj emm vji iyqisoipdi O jewi, tu ov xuamf ipf aq hsuxoph 10y getvis vjep nz dassipv catopitt fof.

Vjot ot e wisz liz nunipv op nz desiis, itqidoemmz cideati O'n upmz 25 ziest umf, tu vjot fidotoup duamf jewi e wisz muph-metvoph onqedv. Jipdi, xjz O'n jisi - vu tii og O dep hmien tuni efwodi gsun ipvsiqsipiast xju jewi puv upmz vemlif vji veml, cav xemlif vji xeml.

Epz jimq gsun vji wivisep ipvsiqsipiast jisi xuamf ci nadj eqqsidoevif! Vjeplt, hazt

Katv uav ug dasousotovz: xjev xet vji uggis zua sidiowif, epf jux fof vjot ipf aq?

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podi gostv dunnipv.