The Ultimate Guide To Business Acquisitions
Finding and purchasing a good business in California is not easy. Without the industry right skills, financial ability, courage, enthusiasm, and an intermediary or professional business M&A Advisor to facilitate the process, there is no way to guarantee that you made the right decision.
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Find a Business For Sale
Finding and purchasing a good business in California is not easy. Without the industry right skills, financial ability, courage, enthusiasm, and a M&A Advisor to facilitate the process, there is no way to guarantee that you will make the right decision.
Following a proven set of steps to buy a business increases your chances of success. This approach also directs each action you take and gives you the support you need to finalizing buying your business.
If you want more than a set of steps, here is a guide you can use and download. It includes not only the steps you can take to hasten your journey to becoming your own boss, or simply put, 'business owner.’
Be Your Own Boss
When you look in the mirror, what do you see? An individual who is tired, weary, and too weak to journey towards their goal, or someone brimming with ideas, motivation and enjoys challenges, and ready to put in the hard work to become their own boss?
If you are actively considering replacing your 9 to 5 job with an entrepreneurial hat that helps you become your own boss, here is some information on the task and challenges ahead.
Being your own boss comes with lots of perks, work and life balance, more family time, control, fewer demands from others, and more financial rewards and hopefully, some fun. However, the path to becoming your own boss is quite tough; it's a road many consider travelling but few rarely finish. Many business-minded individuals consider the journey of business ownership and are not successful; what makes you any different?
First things first, you have this
business buying guide
to guide your path, and secondly, we provide the basic traits that can help you build the skills to complete this journey. All you need to do is to pull a chair, relax, and enjoy your read.
4 Steps to Becoming Your Own Boss
You might be free of the 9 to 5 hassle and a boss eager to scold you for coming to work late, but there are skills to learn and master to be successful. Two of the most important skills are self-discipline and accountability. These are two must-have traits of every successful entrepreneur.
While we are mentioning skills to master, it also helps to develop patience, tenacity, and a will to accomplish, so you do not give up when it becomes tough or uncomfortable; or both.
If you are confident your work experience has given you the knowledge you need to build the skills and ability to successfully become your own boss, and the necessary traits to be successful are second nature for you, here are some steps to follow to help you become a successful entrepreneur.
These steps include insights on how to become your own boss to tips that can help you find and purchase the right business.
01 Become an Entrepreneur
Looking to buy a business in an industry you have a passion?
Focusing on a business in an industry you are passionate about, might seem all cliché, and in some cases, not seem lucrative enough; but forgo the noise and stick with your gut. Being your own boss means consistency, and consistency only remains attainable for as long as you feel alive doing what you do.
02 Find a Business to Buy
Before visiting any online marketplace to find a business for sale, avoid such a pitfall by endeavoring to narrow your search. to narrow your search, focus on parameters such as your financial means, your personal skills, your preferences, and your lifestyle needs. Now do your search and once you have a few qualified candidates, dig a little deeper.
03 Process of Buying a Business
There are hundreds of businesses for sale in California and multiple marketplaces showcasing the features and profits these businesses can provide. Before you jump to a conclusion about the type of business you want to buy, endeavor to check out different options with the same market potential. Till you are certain you are making the best decision possible, do not stop searching.
04 After the Business Acquisition
Many entrepreneurs lose their way after finalizing the business buying process. The quest for immediate profit can sometimes get the best of you and, in some cases, keep you focusing on things that are not important.
Step One: Become an Entrepreneur
You are finally at a place where you can become your own boss, so now it is time to take the next big step.
It is time to decide the entrepreneurial path you feel confident pursuing. Bear in mind that your decision at this point goes a long way in determining how successful your journey will be.
Look to buy a business in an industry you have a passion. Saying to go for a business you are passionate about might seem all cliché, and in some cases, not seem lucrative enough; but forgo the noise and stick with your gut. Being your own boss means consistency, and consistency only remains attainable for as long as you feel alive doing what you do.
Nonetheless, why pursue a business in an industry you have little to no interest. As your business becomes successful, you can take the profits and benefits you earn from running your business and put them into investments where your decision is based on the return you will get; not whether it’s an industry or business you have no interest and need to be involved on a day by basis.
To guide your decision, weigh your interest in the industry and judge it against your strengths and weaknesses.
Do you have experience or knowledge in a service business, manufacturing business, construction business or do you like a trading business more?
How conversant are you with the mode and operations of the business you are about to venture into?
These five basic resources can help determine if a business is right for you.
1. Financial resources; funding/borrowing
2. Human resources; employees,
3. Educational resources; industry know-how,
4. Physical resources; premises and equipment,
5. Emotional resources; support system.
Before finalizing your decision on a business you are confident about, try to place special emphasis on the resources required. Having a clear understanding of your budget, the human resources needed, expert insight on the industry, and a support system to keep you moving helps authenticate your decision.
Evaluate your path
When most people think of starting a business, they think of beginning from scratch—developing their own idea and building the company from the ground up. But starting from scratch comes with multiple disadvantages, including the difficulty of building a customer base, marketing the new business, hiring employees, establishing cash flow, and running a business without a track record or reputation to build upon.
Starting and managing a small business in California is not an easy task. Over US$621,735,000 are paid to employee salaries/payroll alone in California, and more than 241,979 businesses declare bankruptcy every year. The likelihood that you would succeed is relatively higher when you buy a business. Yes, buying a business is indeed more expensive than starting one. However, it’s easier to obtain finance when looking to buy a business than when trying to start one.
Buying a business allows you to enjoy the profit from day one, gives you an established network of contacts, income to put back into the business, trained employees in place, and fewer risks. Warren Buffet’s $25 million See’s Candy investment in 1972 clearly displays the superior opportunities you can enjoy from buying a business.
“Lucy Ricardo from ‘I Love Lucy’ fame on TV in the 1950’s and 1960’s might have had trouble with the candy factory, but Warren Buffet had a vision in 1972 that was sweeter than anyone could have expected. Buffet bought See’s Candy, a family-owned candy company with stores around the American west. Founded in 1921, the business became one of Warren Buffet's favorite investments. For an outlay of $25 million, the return has topped more than $1.3 billion so far, since he still owns the stock. A sweet return for the company where Lucile Ball trained for her classic “I love Lucy” candy factory comedy hit.”
Reference: ThinkAdvisor
Make It Happen
What is the next big step?
If you have found a business you are passionate about, weighed the resources at hand, and assessed the business path you want to follow, then it is time to move from being an employee to an employer and say your goodbyes to your 9 to 5 job.
Before leaving the safety of your job, here are a few things you might want to consider.
Viability of Your Idea
When weighing an idea's viability, try to remove brilliance from the equation. Brilliant doesn't make the cut. Your idea might be brilliant but not viable enough to create any real value, still alien to its target audience, or just outright unable to succeed.
Develop an Entrepreneurial Mindset
You are about to leave your safety net; no more week to week paycheck, employer paid holidays, or vacations.
Are you ready to take on the big decisions head-on, play by your rule, and still show up every day?
Finance
Two important steps to take as you look at buying your business are:
1. Your financial resources
2. If you need to borrow money, the quality of your credit.
Your Financial Resources
To successfully step into buying and operating a business you want to do so with confidence. The best way to do this with confidence is to collect a summary of your Assets and Liabilities or you personal Balance Sheet. Not only will it help you discuss your situation with your family if you choose to get their advice, but also any professionals such as a bank or financial planner.
Your Credit Report
There are many reasons to get your Credit Report. Your Credit Report can be critical when buying a business or making application for business finance such as an SBA loan.
Or perhaps you plan to ask the seller to carry a Sellers Note as part of the finance?
Or you may want to get approval for a lease from a landlord.
Before you go too far with any of the above steps, check your Credit Report to make sure the report is accurate, and you have no mistakes or unknown errors. Do it now to get it correct.
It is also a good habit to check your Credit Report regularly to make sure your credit is not being damaged by someone that has stolen your identity.
Free Credit Report
This is a free service if you only order one report from each credit report provider each year.
Step Two: Find a Business to Buy
Buying a business is an expensive venture that requires high-value consideration, time, motivation, and money. While you can wake up one morning and decide to make an upfront payment for the barbers' shop next door without anyone questioning your decision, it's an idea you can easily live to regret. So how do you find the right business to buy?
Online Business Listings Marketplace
Many business listing marketplaces in California facilitate online bidding, negotiation, and purchase. Below are some of the reputable names you would easily come across. You can search through their listings to find the right California based business for sale.
BizBen.com
BizBen is a website that primarily focuses on businesses for sale in California. It was established in 1994 and includes over 10,000 California Businesses For Sale or Wanted To Buy.
BizBuySell.com
BizBuySell offers you the options to buy a business or franchise, sell, find help with financing, and more. Users can search for businesses by category, state, and county. You can set up a minimum and maximum price, search franchises by type, state, and the amount you have to invest.
BizQuest.com
You can browse businesses and franchises for sale by state, top cities, popular businesses for sale, and popular restaurants for sale. BizQuest also has perks for sellers, including posting ads shared on its partner websites such as The Wall Street Journal and The New York Times.
BusinessBroker.net
Businessbroker.net has more than 30,000 business-for-sale listings. Users can search for businesses and franchises on the website, find brokers, and see industry and location listings. BusinessBroker.net also has a finance and loan center that offers professional help to guide you in your business-purchasing decisions.
BusinessesForSale.com
This website currently has more than 73,000 business listings in the United States and worldwide, including available franchises.
Users can search by business sector, location, and business requirements, such as "work from home" or "owner-financed," to find a business suited to their wants and needs.
BusinessMart.com
Business Mart has both businesses and franchises available and resources and services to help with funding. Users can search by location and business category. Users who are interested in franchises can search by available capital. BusinessMart.com offers ad listings that reach thousands of buyers.
Need help finding the right business for sale?
Rogerson Business Services (RBS) is an M&A Advisory for low to middle market businesses and is a firm built on trust and ethics. Andrew Rogerson, Certified M&A Advisor, can help you find answers to all your questions, introduce you to better opportunities, and manage the buying and selling process's integrity while keeping every aspect of the transaction confidential.
How to Choose a Business to Buy
Online marketplaces offer a huge list of suitable businesses to choose from. If you are not equipped with the right information to guide your buying decision, you can get overwhelmed by the amazing listings and end up investing in a business not in line with your skill, passion, or, worst-case scenario, budget.
Before visiting any online marketplace, to avoid such pitfall, endeavor to narrow your search focusing on parameters such as your financial means, your personal skills, your preferences, and your lifestyle needs. Once you have a few qualified candidates, dig a little deeper.
Review the blind business summary before approaching the seller with a list detailing all the things you are skeptical about. Try to obtain a simple evaluation of the position or standing of the business in the market. Ask why he/she wants to exit the business, and if there is an NDA or Confidentiality Agreement you need to sign to explore confidential business files.
If you have explored the Confidentiality Agreement and the files you were allowed to review and still feel confident about going ahead with buying the business, then it is time to evaluate the business.
To evaluate the business, go back to the first point of contact and verify the quality of the source —that is where the opportunity originated from and how you first found out about it,
- Check if all shareholders are selling,
- Do a site inspection
- Read the lease,
- Check the business legal status,
- Explore the quality of the M&A Advisors assisting the seller,
- Get a sense of what the owner will and will not agree to in a Definitive Purchase Agreement.
While thoroughly evaluating the business and before making an offer, the evaluation process dynamics are quite complex. Consider having a deal team around you including an attorney and CPA that understand the buying and selling of a business.
Business Valuation
What is it? Why do I need one if I'm planning to acquire a business? What is the business worth?
How to Finance a Business You Want to buy
Your interest in buying a particular business may meet all the items in your checklist, with the exception of the last and probably most important item.
Are you able to secure finance for the business you want to buy?
If you are confident with your down payment to buy a business including the ability to handle all the acquisition fees, you may need help with third party finance to close the sale of your business.
An option could be to approach family and friends; though this is not always the best path to follow.
If the above-listed methods don't seem probable, you can consider asking for seller financing. Most sellers are very reluctant to consider this option unless they can secure an asset of the buyer that covers them for the amount of the seller finance the buyer is requesting.
In the U.S, about 60-90% of business sales involve some seller financing. Only a desperate business owner would consider financing 100% of the purchase price.
Learn how to finance a business acquisition
Step Three: The Process of Buying a Business
You have finally made up your mind about the type of business you want to buy. You've vetted all the ups and downs of running the business, explored all the opportunities buying a business offers, and obtained financing to finalize the purchase.
Now to the big question: How Do You Proceed with the purchase of the Business?
Make Sure That the Business for Sale is What You Really Want
There are hundreds of businesses for sale in California and multiple marketplaces showcasing the features and profits these businesses can provide to end-users. Before you jump to a conclusion about the type of business you want to buy, endeavor to check out different options with the same market potential. Until you are certain you are making the best decision possible, do not stop searching but do not let it go on for a long period of time. If a business owner is selling their business and finds you have been looking for 6 months or more they will lose interest in selling the business to you.
Find Out if the Location or Place of Business is What You are Looking For
Where is the business located, and how convenient is it from your place of residence to its location? Is the business strategically positioned to suit its target market? California is a busy state. Settling for a business that's miles away from your place of residence can disrupt productivity, affect sales, and leave you running a business that quickly drains your enthusiasm and probably your profitability.
Is the Industry Sector Booming or Stagnant?
Making the best possible decision during the acquisition process determines how your journey to becoming your own boss will be. Buying a business in a booming industry sector can help heighten confidence, get a profitable return from your investment within a short period, and keep you investing more in the product or service than marketing.
Here is an overview of 15 booming industry sectors in California.
Manufacturing Business:
In the manufacturing industry, there are a lot of Research and Development or R&D and initial cash expenditures involved in equipment and training to use the equipment. There is also a move to more automation and less labor which results in greater profits; as long as you understand and watch these trends.
Discover how to find a manufacturing business for sale in California.
Business Services:
During times of strong economic growth, the business services sector can expect to thrive. According to First Research, this industry will continue to grow at just over 5% for the foreseeable future.
Construction Business:
The construction industry will be strong for a long time to come and can be a very profitable business when costs are controlled, and it is managed properly. Do not forget. To own a Construction Business in California you will need the necessary license plus you may need a deep understanding of Accrual accounting instead of Cash accounting.
Wholesale Distribution:
Since many distributors finance their inventory, they can be sensitive to interest rates, so the current low rates are a good sign, making these businesses a desirable investment.
Discover how to find a distribution business for sale in California.
Healthcare and Medical Practice:
Annual spending on healthcare in the United States is nearly 17% of the Gross Domestic Product (GDP). Revenues are expected to grow by 6% annually over the next several years. This means that many medical practices have great earning potential. Once again, to own and operate a Medical Practice in California the owner needs to be licensed by the Medical Board of California.
Logistic Industry:
Finding qualified employees and keeping them, along with managing health risks, is vital to company success. However, with the right management strategy and a strong organizational system, logistics can be a great business.
Consumer Product Industry:
The consumer products industry has experienced exponential growth, especially in environmentally conscious and organic products. As the demand for these products grows and consumers move toward greener choices, there are some great expansion opportunities.
Industrial Product Industry:
The industrial products sector largely depends on the health of other businesses. However, according to First Research, this industry will continue to grow as businesses recover from recent events and begin operations and production again.
Industrial Services Industry:
The success of these businesses is tied largely to the clients they serve, but creative diversification enables growth even during a recession.
Information Technology Industry:
Information Technology (IT) businesses are essential and profitable in California due to many tech firms and start-ups in Silicon Valley and Orange County in southern California.
Aerospace and Defense Industry:
This industry's primary benefits are government contracts' long-term nature and larger companies' relative stability that hold these contracts.
Automotive Industry:
While service, repair, and even parts sales may be slowing, manufacturing and innovation mean a bright future in the "new normal" that will soon emerge.
Telecommunication Industry:
The telecommunications industry is among the few experiencing growth and challenges at the same time. With more people working remotely and working from home, the industry has experienced growth, and opportunities abound.
Education Industry:
The education industry grows at a constant rate. Training for essential services and trades never slows or stops completely. The switch to online learning and distance education means greater long-term profit potential and a larger pool to pull from for enrolment.
Packaging Industry:
First Research states that this industry will continue to grow at just over 4% annually for the foreseeable future, provided companies adapt to changing consumer and business demands.
Does the business meet your short-term and long-term goals?
Before finalizing your plan on becoming your own boss, revisit your checklist with the goals you wrote down. Do not settle for any business without analyzing its potential to keep up with your short and long-term goals. Striking a balance between short-term goals and long-term objectives requires a solid measurement framework and continuous critical thinking. Evaluate the business's credibility by weighing it on an equal scale of your long-term and short-term goals.
Consider Having a Strong Acquisition Team
A strong acquisition team means having people interested in helping you make the best buying decision. If you are looking to buy a low to middle market business, a M&A Advisor to lead your team is the best option.
A M&A Advisor, to use a football analogy, should be like a quarterback. As the buyer of the business, shout your instructions and observations to your M&A Advisor so they make the right play to get you to the touch down line.
A qualified M&A Advisor acts as a middleman between business owners who are looking to sell and interested buyers. A good M&A Advisor, much like a real estate agent, handles every aspect of the deal, from prospecting for potential buyers to the final negotiation. However, a buying a business comes with much more complexity than buying a piece of real estate.
M&A LOWER MIDDLE MARKET ADVISORY
Why Work With Rogerson Business Services?
Business Valuation
Many sellers neglect the business valuation and methodology early in the process, only to become frustrated after the deal has been finalized. Rogerson Business Services can help you understand the value of your business based on different methodologies.
Legal Due Diligence
When selling a business, the legal standing of the business determines the smoothness, efficiency, and speed at which the transaction is finalized. M&A Advisors offer a sell-side M&A process backed by the viability of a California Licensed business or transaction attorney. With a licensed California M&A Advisor, you can be certain the legal documents involved in the sell-side M&A process is detailed and accurate.
Business Analysis
To avoid wasting time with unqualified buyers, get help from a trusted, licensed, and accredited California M&A Advisor. An M&A Advisor will vet potential buyers to make sure they're legitimate and are serious about purchasing your business. An M&A Advisor knows the ins and outs of selling a lower middle market business and can also help you get your business in shape to get you the best deal.
Financial Due Diligence
Our service includes deal team professionals to assist you. From financial to legal documents to tax and procedures, we want to make sure you are covered.
If you have your own in-house team of advisors, Rogerson Business Services can help make the M&A sell-side process as easy as possible by offering insights that help the team understand and are in alignment with the same goals as yours.
Definitive Purchase Agreement
The Definitive Purchase Agreement is usually extremely complex. It is easy to overlook all the terms and legal jargon, but every paragraph is important and duly considered. It is therefore critical to ask questions and ensure you are comfortable with the final set of legal documents you need to sign.
M&A Sell-Side Targeting
Rogerson Business Services provide Mergers & Acquisition M&A Sell-Side Advisory. We zero target off-market, accretive, private equity and strategic buyers with an interest in lower to middle market companies or businesses to maximize incremental growth value.
Step Four: What to do After the Business Acquisition
Many entrepreneurs lose their way after finalizing the purchase of their business. The quest for immediate profit can sometimes get the best of you and, in some cases, keep you focusing on things that are not important.
Steps to run a business you have just bought:
Here is a step-by-step guide on how to run a business you have just acquired.
1. Start a Quick audit of your business
As soon as you finalize the close of escrow on your business, carry out a quick audit.
Most entrepreneurs fail because they become skeptical about this process. Having a business M&A Advisor on board can help you avoid such pitfalls.
Study your business process. If you are new to the industry, try to acquire deeper insights into its do's and don'ts. Check what improvement is needed, if any. Make acquaintance with other owners and individuals in the same industry sector and try to understand the business operational sequence in the deepest way possible.
Take advantage of the seller's presence. After finalizing the deal, there is a unique seller and buyer bond that becomes evident. Take advantage; you can prepare a list of what you need to know and learn from the seller.
While a M&A Advisor brings insight to the transaction, your M&A Advisor can help solidify this process by facilitating a win-win situation that leads to a strong and helpful relationship with the seller.
2. Get to know your employees and start communicating your vision
As we stated earlier, your employees are the bedrock of all short/long term achievements. The earlier you build a relationship that gives both parties ground to communicate clearly and be on the same page, the better.
Do not forget, it is your business. You define and communicate the vision and give your employees the responsibility how to execute your vision and more importantly, make it better.
To build such relationships, you can either hire a business advisor that specializes in your industry to help you streamline the perfect process or follow the tips listed below.
- Have a well-mapped plan.
- Recognize inevitable anxiety.
- Be ready to offer reassurance and show respect.
- Foster routine communication.
- Acknowledge that it is a big deal.
- Give praise and rewards. Critically, let the employees share their motivation. Their ideas and motivations, if they come from your employees, will be better than what you come up with.
You might also need to build a business culture and encourage work ethics they can easily conform to. To do that, share your dream with them - win them over through explaining your vision and mission with them. You are counting on your employees to grow the business; show them how important they are to be part of the business.
3. Start Your Post-Acquisition Business Plan
One of the keys to success with the close of escrow on your new business is putting together a post-acquisition business plan.
The post-acquisition business plan is a description of what you intend to do once you take over ownership of your new business. Ideally, you should begin preparing your acquisition plan during the formal due diligence phase. Note that your post-acquisition business plan must be highly detailed for your business to thrive at the speed or pace you envisioned before making a purchase.
To create a post-acquisition plan, you need to have a thorough understanding of the business and industry, determine whether the way the business currently operates is up-to-date and progressive or whether it needs to be changed; you also need to locate areas of poor performance and identify probable causes.
Post-acquisition business plan requires knowledgeable insights and critical planning. It is best you hire a business advisor if you are looking to operate with a perfect post-acquisition business plan; preferably an expert from the industry you are in.
4. Be Transparent About the New Changes
Change is now a part of our everyday life. It is most prevalent with new technologies that make things work faster and better and usually cheaper. It is prevalent in our economy with changes to the partners we conduct local, regional, national and international trade, the laws at a Federal and State level, changes in taxation at a Federal and State level and virtually every facet of our lives.
As you move into the role of business owner, there will be changes you wish to implement. Make sure you back them with concrete reasons and be aware the business has a culture and a way of doing things before you arrived.
Nonetheless, transparency remains essential. At some point, your employees might not share the same views with you as you try to establish the credibility of your post-acquisition business plan. In such scenarios, try to be as transparent and diplomatic as possible; and possibly most important, listen as they may have good suggestions.
Giving your employees a voice at the decision-making table can help authenticate the viability of the plan. Involve your employees in the implementation process and how they should contribute to the plan.
To regulate, control, and accurately pinpoint the direction and flow at which your post-acquisition plan drives your business, try to create a business plan with a timeline and Key Performance Indicators or KPIs.
Need help finding the right business for sale?
Rogerson Business Services (RBS) is an M&A Advisory for low middle market businesses built on trust and ethics. Andrew Rogerson, Certified M&A Advisor, can help you find answers to all your questions, introduce you to better opportunities, and manage the buying and selling process's integrity while keeping every aspect of sales confidential.
FAQ's
Frequently asked questions
Becoming Your Own Boss
Becoming an Entrepreneur
Ten Reasons to Plan a Business Exit Strategy with
Rogerson Business Services
1. Ethics
Rogerson Business Services are members of the M&A Source, International Business Brokers Association (IBBA) and California Association of Business Brokers (CABB) and adhere to their code of ethics.
2. Confidentiality
Rogerson Business Services assists you professionally in a highly confidential manner to protect your personal and financial details.
3. Vetted businesses for sale
Rogerson Business Services have access to an inventory of businesses including unlisted businesses for sale in California.
4. Facilitator
Rogerson Business Services are specialists in business transitions and understand the need to respect all parties in the transaction. There are many steps to value, sell and buy a business. Rogerson Business Services have successfully navigated these steps many, many times.
5. Valuation
Rogerson Business Services can provide you an opinion of value of a business you wish to sell or buy.
6. Due diligence and escrow
Rogerson Business Services has the knowledge to work through leases, franchise agreements, finance requirements, licensing, California escrow requirement and many other items so the sale of a business is successful.
7. Negotiation
Rogerson Business Services practice win/win negotiation skills. Negotiations are rarely perfect and so a win/win approach is the best way forward.
8. Financing and funding
Rogerson Business Services has professional lenders that can assist with finance to successfully buy a business.
9. Resource
Rogerson Business Services is an active member in the associations of the M&A and Business Broker industry including M&A Source, the International Business Brokers Association (IBBA), California Association of Business Brokers (CABB), International Society of Business Appraisers (ISBA) as well as other professional organizations.
10. Closing and transfer
Rogerson Business Services works with you each step of the way. This includes managing the buying or selling of your business through initial negotiations, due diligence, escrow and the all-important closing.
We built this amazing step-by-step "buying a business guide" - it is yours (free)
Millions of owners of small and growing companies can’t be wrong. If you are motivated by personal accomplishments, stimulated by challenge, and want to be your own boss, then business ownership is for you!
