Many, probably most, business owners would like to sell their businesses to their employees, but for one nagging problem: Their employees have no money. The desire to sell out to employees collides with the overarching need for financial security. Owners simply cannot risk selling a business to employees who have no cash.
Take James Johnson, owner [...]

“My investment advisor suggested that I sell my company to an ESOP. Is that a good idea?”
My estate planning attorney recommended that I begin giving my business to my children. What do you think?”
“I’m getting tired of running my business every day. My accountant thinks a sale to a third party is a good [...]

When transferring your company to insiders, a Low Value can put Dollars in your pocket.
Owners of successful businesses valued between $2 and $5 million face two difficult exit problems:
1. Cash buyers are usually seeking larger companies; and
2. Owners are generally unwilling to assume a long-term installment note because of the risk of non-payment.
Given these hurdles, [...]