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Should you decide to buy an existing business, several factors enter into consideration of how to finance it. Let us discuss the most important of these factors.

The amount of capital required.

Nearly all sales of small businesses are, strictly speaking Cheap Danielle Hunter Jersey , merely sales of the assets of the business. The buyer does not want to purchase "the business" because that would include liabilities, including unpaid taxes, exposure to law suits under the prior ownership Cheap Eric Kendricks Jersey , etc. This is not to say, however, that the amount agreed upon is all the buyer needs.

Buyers commonly underestimate the amount of capital required to purchase a business. Capital must be available not only to pay the purchase price but also for:

?funds to operate until the business is generating cash Cheap Trae Waynes Jersey ,

?funds to meet unexpected expenses, and

?funds as a reserve to allow for errors in expectations.

A buyer must think beyond the purchase price to determine the amount of capital needed. Here are some questions that must be asked:

Do I have enough capital to pay the purchase price?

Do I have enough capital to support 1 to 3 months' operations--such as payroll and other cash expenses--while the business reaches a self-supporting stage?

Do I have some extra capital to cover needs I may have overlooked (perhaps 10 to 15 percent of the purchase price?

The type of capital required.

The buyer must decide how much of the selling price will be covered by equity capital, i.e. investment in the business by the owner or owners Cheap Laquon Treadwell Jersey , and debt capital, borrowing that must be repaid.

If a combination is to be used, the equity capital provides a margin of safety for a lender. The greater the amount of equity capital Cheap Ben Gedeon Jersey , other things being equal, the easier it is to get debt capital.

In purchases of small businesses, the primary source of equity capital is generally the personal savings of the buyer of the business. Few buyers Cheap Dalvin Cook Jersey , however, have enough personal savings to finance the purchase of a small business without any debt financing.

The sources of available capital.

An individual may borrow money for the purchase of a business by obtaining a personal loan, by borrowing against insurance policies Cheap Anthony Barr Jersey , or by refinancing a home mortgage. These debts are not direct debts of the business, but the debts of a small business and the personal debts of the owner cannot be completely separated. Banks are the principal institutional source of debt capital for small businesses.

The seller will sometimes finance part of the cost of the sale directly. Sometimes this can make the buyer wonder whether the seller is too interested in getting out from under the business, or if the business is as good as it looks.

The length of time needed to pay back the capital source from the business operation.

No matter where debt originates Cheap Everson Griffen Jersey , a critical question is whether the business can support the debt payments in addition to all the other costs of doing business.

Due diligence: Evidence of ownership

The buyer should get from the seller a certified abstract of title for each parcel of real estate involved in the transaction. The abstract should be examined by the buyer's attorney. In addition to disclosing any de. Cheap Jerseys China Free Shipping Cheap NHL Jerseys Cheap NBA Jerseys Online [url=http://www.cheapnfljerseysnikeshop.com/]Cheap Kids NFL Jerseys Cheap Youth NCAA Jerseys Cheap NBA Jerseys Free Shipping