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How People Are Buying Cash-Flowing Businesses With $0 of Their Own Money (2026 Window)
Most People Have No Idea What’s Coming in 2026. There is a wealth event approaching that will create more new business owners than anything we have seen in our lifetime. And the crazy part is this. Most people are going to miss it because they are distracted, comfortable, or asleep at the wheel. It’s called the Silver Tsunami. Millions of Baby Boomers are retiring. Right now. Not “one day”, it's right now. And they are walking away from the businesses they spent twenty to forty years building. Here is the part no one is talking about. Their kids don’t want the business. Their family doesn’t want the business. Some of these owners are literally shutting down profitable companies because there is no one to take over. This is the window. This is the moment. This is the easiest time in history to buy a business with zero of your own money. Here is how the deals actually happen. First, you find a business where the owner is retiring. HVAC, roofing, plumbing, landscaping, bookkeeping, pool service, garage doors, cleaning companies, pest control. Boring industries with high margins and predictable cash flow. Second, you negotiate seller finance or SBA for ninety percent of the purchase price. Third, you cover the remaining ten percent using unsecured loans or business credit. Here is a real example of how it works. An HVAC business is listed for $1,000,000. The seller wants 10% down, which is $100,000. You use business credit to get that $100,000. They seller finance or get a SBA for the other $900,000. You now own a company that cash flows $15,000 - $35,000 a month. That is the part people do not understand. You are stepping into a proven business with customers, revenue, and infrastructure already built. You can run it yourself and maximize profit. Or you can hire an operator, take a smaller cut, and still bring in more than most people’s full-time jobs. We have not had a buying window like this since the 1980s. And when it closes, people will look back and say
How People Are Buying Cash-Flowing Businesses With $0 of Their Own Money (2026 Window)
3 likes • 17d
2026
Purchasing Real Estate
Hello! I have some real estate related questions that perhaps someone can answer. I am looking at a small commercial property- which I already have a renter set up for- a renter which can be trusted and long lasting. I am also looking at get a transitional property for myself. One that I intend to refurbish if necessary and then rent out or sell when I have another more long term suitable property. SO my questions are related to funding and buying properties: -For the commercial property I was planning to get business funding, owner/creative financing or perhaps a DSCR loan (I am still doing research to see what will work best- experienced opinions welcome). I would be buying it as a LLC and not in my own name. -For the transitional property I am considering buying it in the same way- with an LLC and business funding, seller/creative financing or a DSCR loan and in turn 'rent' it from myself. I am mostly trying to see if this is an option- to rent a property from a LLC you own. I figure it does work as you can buy a car under your LLC and you are simply the 'driver'. If anyone has experience or knowledge in these areas I would greatly love to hear from you. Thank you in advance all :)
1 like • 27d
@Alec Smith I was going to shoot you a message but it won't let me 😅
0 likes • 25d
@Alec Smith Thank you so much! I am going to shoot you a text on Monday- as I assume you will want to take the weekend to yourself :)
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Catherine Jagos
2
10points to level up
@catherine-jagos-9388
Happy to share whatever you want to know. I am an aspiring entrepreneur.

Active 5d ago
Joined Nov 10, 2025
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