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The Independent Buying Guide

OWN YOUR FIRST BUSINESS. With the right playbook.

SBA financing guides, franchise cost breakdowns, due diligence checklists — and the quiz that tells you if you're actually ready.

100% independent
No sponsored rankings
500+ buyers guided
Quick assessment

Am I ready to buy?

Three questions. Instant readiness estimate.

Est. purchase range
$400K – $750K
Seller-financing path
Loan odds
74%
Cash cushion
56%
Lender appeal
73%
See the full readiness report →
🛡
100% independentNo sponsored rankings
Updated monthlyNumbers from latest FDDs
📈
47 data signalsTraffic, demo, FDD, SBA
👥
500+ buyersUsed our guides this year
Editorial Feature

The SBA financing timeline, finally explained.

Most buyers lose 60–90 days to lender prep they didn't know was coming. Here's the full map — what happens when, and how to compress it.

Read the playbook →
SBA 7(a) Approval TimelineAvg. 45–90 days
01
Pre-qualifyCredit pull + financial docs
25%
02
UnderwritingLender review + appraisal
50%
03
SBA ReviewAgency approval — 3–6 weeks
35%
04
ClosingSign, fund, transfer ownership
The Buying Journey

Four steps from idea to close.

Most first-time buyers stall between steps 1 and 2. Here's how to keep moving.

Financing Paths

The four real financing paths.

Free Tools

Five tools. Zero paywalls.

The SBA financing breakdown alone saved me from a lender that would have cost me $40K more. I signed the right deal.

M
Marcus T.Bought a cleaning franchise · Atlanta, GA

As a new immigrant I had no US credit. The guide on workarounds is the only reason I got funded. Still recommending it.

P
Priya S.Acquired a home-services franchise · New Jersey

The Am I Ready quiz told me I wasn't. Three months of prep later I was — and I closed at a better price than my first offer.

D
Daniel W.Bought an existing auto shop · Dallas, TX
Due Diligence

The checklist library.

Every operational, financial, and legal check — before you sign anything.

01
7 Red Flags in a Franchise Disclosure DocumentWhat to look for in Items 3, 7, 19, and 20 before you sign a
10m
02
Tim Hortons vs Second Cup: Which Is More Profitable?Side-by-side unit economics for Canada's two coffee giants.
9m
03
Franchise Territory Rights: What Every Buyer Must CheckThe contract clauses that decide whether your territory is w
9m
04
The Hidden Costs of Opening a FranchiseThe twelve line items most first-timers under-budget by 40%.
9m
05
Why Landlord Negotiation Is the Hardest PartHow to structure a lease that doesn't eat your unit economic
8m
06
Item 19 Earnings Claims, DecodedHow franchisors present the number — and what to recompute y
10m
07
SDE vs EBITDA: The Valuation Difference That MattersWhich metric your lender uses, and why sellers quote the oth
8m
08
The Business-Acquisition Closing ChecklistEvery document you need at the table — and the three most co
7m
09
Non-Competes with a Selling Owner: Get This RightRadius, term, and enforceability — what to require and what
7m
10
Working Capital Peg: The Negotiation Most Buyers MissWhy the peg — not the purchase price — often decides who won
8m
11
SMB Due Diligence Checklist: 40 ItemsThe operational, financial, and legal checks every acquisiti
11m
12
The First 90 Days After You CloseCustomer retention, staff continuity, and the owner-handover
8m
13
Customer Concentration: When One Client Is Too ManyThe 25% rule, and how to price it into your offer.
7m
14
Lease Assumption vs New Lease: Which to Push ForThe trade-off that decides your first five years.
7m
The Buying Brief

Weekly deals, data, and buyer intelligence.

No fluff. One email per week: a data signal, a financing note, and one business worth looking at.

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