How to buy a business with ZERO money down…

Here’s a sneak peek of what you’ll discover in less than 3 minutes:

✔️ A savvy method to acquire businesses without risking personal assets

✔️ The basics of seller financing and its real-world applications

✔️ How Pace Morby successfully applied seller financing in real estate

✔️ The undeniable reasons why NOW is the perfect time to buy a business

✔️ An untapped goldmine: booming industries overlooked by younger generations

✔️ Practical ways to identify small business acquisition opportunities

Hey Cashflowers,

Have you ever wondered if there’s a safer, smarter way to dive into the world of business ownership without jeopardizing your personal assets?

In this edition, we’ll pull back the curtain on a strategy that savvy entrepreneurs are using to rewrite the rulebook on acquiring businesses.

Let’s go:

Buying a business

What is the seller financing model?

Traditionally, the way to buy businesses was to go to a bank and get a commercial loan.

But here’s the thing? If things go south in the business, the bank will come after your PERSONAL assets.

So, what’s the better way to do it? A method that almost feels illegal when it comes to acquiring businesses.

It’s called seller financing. Or you may hear vendor financing. Or creative financing


Here’s essentially how it works:

Let’s imagine you have an iPhone.

And I approach you and say I want to buy that iPhone you’ve had for 4 years. How much do you want?

You say “$200.”

I say, “OK, I will give you $150 as the camera looks broken. But I will pay you $15 for the next 10 months if you give me the phone now. There’s no downpayment because I don’t have any money right now”.

In this situation, if they agree (which is likely because they want to get rid of the iPhone they no longer value)…the seller is financing the buyer.

That’s seller financing.

The buyer becomes the owner of the product/asset BEFORE they give the seller all the money.

The difference between the iPhone and a business is the business will generate profit, from which the buyer can pay the seller back.

It doesn’t involve a bank loan, building up credit, or going through background checks.

Let’s look at how this might work in a real business scenario:

Case Study

How Morby Acquired a Thriving Dog Business Using Seller Finance

Pace Morby, who made his money in real estate, tried out the seller financing approach after hearing about it.

He approached a dog grooming company where the owner was flooded with marketing, fulfillment, bookings, and all the other day-to-day running.

His first goal? Find out what the seller really wanted.

After speaking with him, it became clear the business owner wanted to spend more time with his family and kids.

He proposed an action plan that could double the owner’s business in 60 days and give him back more time.

Here’s what his pitch:

“We’ll set up automated systems so that all the bookkeeping, payments, and scheduling are taken care of.”

“We’ll introduce a subscription model, which I think every dog grooming business is sleeping on.”

“After the first 6 months, we’ll buy a mobile truck to service dogs without owners even leaving their homes. In 2-3 years, we’ll have several trucks and keep expanding into new territories.”


So the seller had:

– A way for them to grow their business while doing less work

– A way for them to permanently take home a profit share

– A business partner that understands digital marketing and automation, which is a huge leverage for any business.

– A vision of where the business would go and which he would have a permanent monthly profit share.

He also gave him a 5 phase plan so the seller could see exactly how it would work on a specific timeline.

This is how buyers can negotiate seller financing deals and take over businesses with zero down.

By bringing in their vision and expertise, which adds an intrinsic value to the deal.

And the seller will be open to this because they likely have a vested interest in making sure the business they built from the ground has an owner who will make it successful.

It’s their baby, after all.

Go and watch the breakdown here.

Making your move

Why is this the potentially best time to buy a business?

Opportunities to buy businesses are everywhere right now.

Here’s an example of why – 10,000 boomers are retiring every day in the U.S.

That means that millions are retiring in the next few years, and 8-10% of those people own a small business.

This is a problem for them and a potential opportunity for you.

Here’s the thing. Gen Z and Millenials don’t think about buying traditional businesses. They want to be YouTube stars or start an eCommerce store.

Some of these traditional construction, services, and repair businesses are making hundreds of thousands of dollars in profit.

Yet not many people are looking to buy them or even know they can buy them using creative methods like seller financing.

And a lot of these boring businesses have no digital presence or online marketing, meaning they have the potential to grow even further.

Here’s 5 ways you could start exploring opportunities and finding businesses to buy:

1. Local Business Directories: Check out local business directories or platforms like BizBuySell. Owners often list their businesses for sale here, signaling they’re ready to step back.

2. Network with Business Brokers: Business brokers are always in the loop about companies up for sale. Forge connections, let them know your criteria, and they can alert you to fitting opportunities.

3. Visit Trade Shows and Conferences: These events often host veteran business owners. It’s a good spot to identify those looking for an exit strategy.

4. Engage with Local Business Associations: Attend meetings or join groups. Engage in conversations; you’ll be surprised how many owners casually mention retiring or selling.

5. Direct Outreach: If there’s a local business you’re interested in, approach the owner directly. Express genuine interest in their business’s legacy and discuss potential future plans.

Of course, this is all easier said than done.

But it is possible, even if you haven’t bought a business before.

Everyone needs to start somewhere. It’s about leveraging the most upside and reducing the risk.

But to build wealth, you must own assets – whether that’s businesses, real estate, or something else that brings you consistent income.

Start figuring out how to do that today.

Until next Friday,
Cashflow Chronicles Team

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