# OKtoBuy > OKtoBuy is a buyer-side earnings check for people buying a small business (first-time buyers, search funders, business brokers). Buyers upload the seller's P&L, tax returns and bank statements and get an earnings readout: revenue vs bank deposits (proof of cash), add-backs rated solid / shaky / unsupported, owner costs and one-offs, questions for the seller, and what an SBA lender will check. The AI readout is marked as an unreviewed draft with every number linked to its source page; optional human review by a finance professional is offered where available, and every readout says whether a person has reviewed it. OKtoBuy never gives a business value, price or valuation opinion, and is not legal, tax or investment advice. ## Key pages - [Home and sign-up](https://oktobuy.ai/): what the readout contains and how it works - [About](https://oktobuy.ai/about): who runs OKtoBuy - [All guides](https://oktobuy.ai/guides/) ## Tools - [Earnings multiple and SBA debt service calculator](https://oktobuy.ai/tools/sba-dscr-calculator): Enter earnings and an asking price to see the multiple you'd be paying and the debt service coverage an SBA lender would look at. No valuations. - [SDE and add-backs calculator](https://oktobuy.ai/tools/sde-calculator): Free SDE calculator for buyers: start from net profit, add back owner pay and expenses, and rate each add-back solid, shaky or unsupported. ## Buying a business: start here - [How to buy a business, step by step](https://oktobuy.ai/guides/how-to-buy-a-business): How to buy a business, step by step: set your criteria, find and screen deals, verify the earnings, make an offer, finance it, close and take over. - [Absentee owner businesses for sale: what the listing doesn't say](https://oktobuy.ai/guides/absentee-owner-business): What 'absentee owner' businesses really involve, why a manager's salary must come out of SDE, how lenders view them, and a worked example. - [Boring businesses to buy: the criteria that matter (not a listicle)](https://oktobuy.ai/guides/boring-businesses-to-buy): What makes a boring small business a good buy: recurring revenue, many customers, licensing moats, low tech risk, and the traps to avoid. - [How to buy a business that isn't for sale](https://oktobuy.ai/guides/how-to-buy-a-business-that-isnt-for-sale): How to approach owners of businesses that aren't listed: building a target list, what to say in a letter or call, and how to handle the first conversation. - [How to buy a failing business: opportunity or trap?](https://oktobuy.ai/guides/how-to-buy-a-failing-business): How to buy a struggling or distressed business: find out why it's failing, asset vs going concern value, liabilities, financing limits and turnaround cash. - [How to buy a million dollar business: the numbers, worked through](https://oktobuy.ai/guides/how-to-buy-a-million-dollar-business): A worked example of buying a $1 million business: equity, SBA loan, seller note, yearly payments, debt coverage and the earnings it takes. - [How to buy a small business: what's different about Main Street deals](https://oktobuy.ai/guides/how-to-buy-a-small-business): How to buy a small business: what's different about Main Street deals (SDE, SBA loans, owner dependence, messy books) and how to handle each. - [How to buy an existing business: what you inherit and what to verify](https://oktobuy.ai/guides/buying-an-existing-business): How to buy an existing business: what you inherit (history, staff, customers, lease), why lenders prefer it, and what to verify first. - [How to buy into a business: what a minority stake really gets you](https://oktobuy.ai/guides/how-to-buy-into-a-business): How to buy part of an existing business: what a minority stake gets you, operating agreement terms that matter, and checking the numbers anyway. - [How to buy out a business partner](https://oktobuy.ai/guides/buy-out-a-business-partner): How to buy out a business partner: check the buy-sell agreement, value the share independently, fund it, and document it properly. - [How to buy your first business: a first-timer's playbook](https://oktobuy.ai/guides/buying-your-first-business): A first-time buyer's playbook: set a buy box, build your team, budget for diligence, run a search, and avoid the first-deal traps. - [How to start buying businesses: search funds, self-funded search and other routes](https://oktobuy.ai/guides/search-fund-and-self-funded-search): How people start buying businesses: traditional search funds, self-funded search, independent sponsors and SBA-financed solo buyers compared. - [Should I buy a business? An honest way to decide](https://oktobuy.ai/guides/should-i-buy-a-business): Should you buy a business? An honest self-assessment of money, risk tolerance, skills, time and family, with a simple decision tree. - [Small business acquisition: buying a business to grow the one you own](https://oktobuy.ai/guides/small-business-acquisition): Buying another small business to grow yours: add-on acquisitions, the SBA Business Expansion rules, integration risks and checking the target's numbers. - [Steps to buying a business, with a realistic timeline](https://oktobuy.ai/guides/steps-to-buying-a-business): The steps to buying a business in order, with a realistic week-by-week timeline from first look to closing, and what slows each stage down. ## Finding and screening deals - [Businesses for sale by owner: how to buy without a broker in the middle](https://oktobuy.ai/guides/businesses-for-sale-by-owner): Buying a business for sale by owner: the upside of no broker, the downside of messy information, and a checklist to bring structure to an FSBO deal. - [Cheap businesses to buy: what actually works at the small end](https://oktobuy.ai/guides/cheap-business-to-buy): An honest look at cheap businesses for sale (under $50k, under $10k): when they're a job, when they're just equipment, and which small deals can work. - [Confidential information memorandum: how to read a CIM skeptically](https://oktobuy.ai/guides/confidential-information-memorandum): What a broker's confidential information memorandum contains, what it usually leaves out, and the questions a CIM should trigger before you make an offer. - [E-2 visa businesses for sale: what to check before you buy](https://oktobuy.ai/guides/e2-visa-business-for-sale): Buying a business for an E-2 treaty investor visa: why 'E-2 ready' listings need extra scrutiny, the 'marginal enterprise' issue, and verifying earnings. - [Evaluating a small business for sale: a one-hour screen](https://oktobuy.ai/guides/how-to-evaluate-a-business-for-sale): A one-hour screen for a small business for sale: listing math, owner dependence, concentration, trend, lease and red flags, with a scorecard. - [How to find a business to buy](https://oktobuy.ai/guides/how-to-find-a-business-to-buy): How to find a business to buy: brokers, listing sites, direct outreach, CPAs and attorneys, industry networks, and how to use each. - [Seller financed businesses for sale: good deal or warning sign?](https://oktobuy.ai/guides/seller-financed-business-for-sale): Why some listings offer seller or owner financing, what typical terms look like, how they fit SBA rules, and the red flags behind generous terms. - [Working with a business broker when you're the buyer](https://oktobuy.ai/guides/working-with-a-business-broker): How business brokers work from the buyer's side: who they represent, how to become a buyer they call first, what they won't tell you, and who pays the fee. ## Earnings, SDE and add-backs - [Add-backs examples: 30 common ones, rated by how well they hold up](https://oktobuy.ai/guides/add-backs-examples): Thirty common add-backs examples in small business sales, rated solid, shaky or unsupported, with the evidence that would change each rating. - [Add-backs to EBITDA: how adjusted EBITDA is built and tested](https://oktobuy.ai/guides/add-backs-to-ebitda): How add-backs turn EBITDA into adjusted EBITDA, which adjustments hold up in a QoE, and why run-rate and pro forma add-backs deserve suspicion. - [Add-backs: which ones hold up when you buy a business](https://oktobuy.ai/guides/add-backs): What business add-backs are, which ones survive a lender's review, the evidence each needs, and how to rate them solid, shaky or unsupported. - [Buying a cash business: what to do when the seller says the real profit is higher](https://oktobuy.ai/guides/buying-a-cash-business): Buying a cash-heavy business: why you shouldn't pay for unreported income, why lenders won't count it, and how to test cash revenue with other evidence. - [How to read a profit and loss statement when you're buying a business](https://oktobuy.ai/guides/how-to-read-a-pl-when-buying-a-business): A plain-English walkthrough of a profit and loss statement for business buyers: revenue, COGS, gross margin, expenses, and what to compare year to year. - [Owner salary add-back: getting owner pay right in SDE](https://oktobuy.ai/guides/owner-salary-add-back): How to treat the owner's salary when calculating SDE: adding back one owner, payroll taxes and benefits, two working owners, and replacement salaries. - [Proof of cash: checking that a seller's revenue really reached the bank](https://oktobuy.ai/guides/proof-of-cash): A proof of cash reconciles bank deposits to the revenue a seller reports, month by month. How to do one, reconciling items, and red flags. - [Quality of earnings report for a small business acquisition: do you need one?](https://oktobuy.ai/guides/do-i-need-a-quality-of-earnings-report): When a buyer needs a quality of earnings report for a small business acquisition, what it covers, SBA's $3M rule, and buyer-side options below that. - [SDE vs EBITDA: what's the difference when you buy a business?](https://oktobuy.ai/guides/sde-vs-ebitda): SDE vs EBITDA: how they differ, when each is used to price a business, how to convert one to the other, and which one lenders use for coverage. - [Seller's discretionary earnings (SDE): what it means and how buyers test it](https://oktobuy.ai/guides/seller-discretionary-earnings): What seller's discretionary earnings means, how SDE is calculated from a tax return, which add-backs belong in it, and how lenders and buyers test it. - [Tax returns vs profit and loss: why they differ and which to trust](https://oktobuy.ai/guides/tax-returns-vs-pl): Why a seller's P&L doesn't match the tax return, cash vs accrual differences, which one lenders rely on, and how to reconcile the two before you buy. ## Financing the purchase - [How to buy a business with no money down: what's actually possible](https://oktobuy.ai/guides/buy-a-business-with-no-money-down): Can you buy a business with no money down? What's really possible: SBA's 10% minimum, seller notes, investors, and what the zero-down pitches leave out. - [SBA 7(a) loans for buying a business: the rules a buyer needs to know](https://oktobuy.ai/guides/sba-7a-business-acquisition): How SBA 7(a) business acquisition loans work under SOP 50 10 8.1: equity, valuation, QoE at $3M, DSCR, seller notes, earnouts and transition limits. - [Debt service coverage ratio (DSCR) for buying a business](https://oktobuy.ai/guides/dscr-for-buying-a-business): Debt service coverage ratio for business acquisitions: how DSCR is calculated, SBA minimums by deal type, historical vs adjusted DSC, and a worked example. - [How to buy a laundromat with no money down: what's realistic](https://oktobuy.ai/guides/how-to-buy-a-laundromat-with-no-money-down): Can you buy a laundromat with no money down? SBA equity rules, seller notes, equipment financing and the arithmetic that decides if it works. - [Personal guarantee on an SBA loan: what you're signing](https://oktobuy.ai/guides/personal-guarantee-sba-loan): Who must personally guarantee an SBA loan to buy a business, what an unlimited guaranty means, spouse rules, and when lenders take a lien on your home. - [Rollover for business startups (ROBS): using retirement money to buy a business](https://oktobuy.ai/guides/robs-401k-to-buy-a-business): How a rollover for business startups (ROBS) uses retirement money to buy a business, what the IRS has found about ROBS plans, and the risks to weigh. - [SBA business valuation: what the lender's appraisal means for your deal](https://oktobuy.ai/guides/sba-business-valuation): SBA business valuation rules under SOP 50 10 8.1: who can do it, who orders it, what it must include, and what happens if the price exceeds it. - [SBA equity injection: how much you need to put in, and from where](https://oktobuy.ai/guides/sba-equity-injection): How much equity the SBA requires to buy a business, what counts as equity, the limit on seller notes and investors, and how to document your funds. - [SOP 50 10 8.1: what the new SBA rules mean if you're buying a business](https://oktobuy.ai/guides/sba-rules-buying-a-business-2026): What changed for business acquisitions on October 1, 2026 under SBA SOP 50 10 8.1, and what each change means for a buyer's cash, price and timeline. - [Small business acquisition financing: how a deal's money fits together](https://oktobuy.ai/guides/small-business-acquisition-financing): How small business acquisition financing is structured: equity, senior debt and seller notes, how lenders size the loan, and a worked sources-and-uses. ## How valuation works - [Small business valuation: how it works, in plain English](https://oktobuy.ai/guides/how-to-value-a-small-business): How small business valuation works: earnings multiples, the income, market and asset approaches, what moves a multiple, and who does formal valuations. - [EBITDA multiple valuation: how it works, with the arithmetic](https://oktobuy.ai/guides/ebitda-multiple-valuation): How EBITDA multiple valuation works: enterprise value vs equity value, debt-free cash-free deals, worked arithmetic, and when small businesses use EBITDA. - [How to value a business you want to buy: the buyer's lens](https://oktobuy.ai/guides/how-to-value-a-business-to-buy): How buyers think about value: verified earnings, what you can afford to pay given financing, the return on your cash, and when to get a formal valuation. - [Multiple of revenue valuation: when it works and when it misleads](https://oktobuy.ai/guides/revenue-multiple-valuation): When businesses are valued on a multiple of revenue, why it suits recurring-revenue businesses, and why it misleads buyers of low-margin businesses. - [SDE multiplier: what moves the multiple on a small business](https://oktobuy.ai/guides/sde-multiple): How an SDE multiple works, the factors that push it up or down, a scorecard to judge a listing, and why verified SDE matters most. - [Small business valuation methods: what each one is good for](https://oktobuy.ai/guides/small-business-valuation-methods): The main small business valuation methods (SDE and EBITDA multiples, capitalization of earnings, DCF, asset-based, rules of thumb) and when each fits. - [Valuation multiples by industry: what actually moves them](https://oktobuy.ai/guides/valuation-multiples-by-industry): Why business valuation multiples differ by industry, what matters more than industry, where reliable comparable data comes from, and the factors by sector. - [Valuing goodwill in a small business: what you're really paying for](https://oktobuy.ai/guides/valuing-goodwill): What goodwill is in a small business sale, personal vs enterprise goodwill, why personal goodwill can walk out the door, and how buyers protect it. ## Due diligence and red flags - [Due diligence checklist for buying a business](https://oktobuy.ai/guides/due-diligence-checklist-buying-a-business): A due diligence checklist for buying a small business: financial, tax, legal, lease, employees, customers, operations and licences, with what to look for. - [Customer concentration risk when buying a business](https://oktobuy.ai/guides/customer-concentration): How to measure customer concentration (top 1, top 5, top 10 share), why lenders and QoE reviewers flag it, and how to protect yourself in the deal. - [Due diligence questions to ask when buying a business](https://oktobuy.ai/guides/due-diligence-questions): Written due diligence questions to send a business seller, grouped by finances, customers, staff, operations and legal, with why each question matters. - [Employees when buying a business: what to check](https://oktobuy.ai/guides/employees-when-buying-a-business): Employees when buying a business: payroll records, contractor vs employee classification, accrued PTO, key staff retention, I-9s and notice rules. - [Lease assignment when buying a business](https://oktobuy.ai/guides/lease-assignment-buying-a-business): Lease assignment when buying a business: assignment vs new lease, landlord consent, personal guarantees, remaining term vs SBA loan term, rent changes. - [Legal due diligence for a small business acquisition](https://oktobuy.ai/guides/legal-due-diligence-small-business): Legal due diligence when buying a small business: entity good standing, litigation, liens, contracts, IP, permits, employment and environmental checks. - [Red flags when buying a business, and what to do about each](https://oktobuy.ai/guides/red-flags-buying-a-business): Red flags when buying a business, grouped by severity: refusing records, deposits below revenue, unsupported add-backs, concentration, lease problems. - [Transferring business licenses when you buy a business](https://oktobuy.ai/guides/transferring-business-licenses): Which business licences and permits transfer when you buy a business and which don't: personal, location and entity licences, and how to plan timing. ## Deal terms, closing and handover - [Asset purchase agreement: the sections a small business buyer should understand](https://oktobuy.ai/guides/asset-purchase-agreement): The sections of an asset purchase agreement in plain English: assets, liabilities, price adjustments, reps and warranties, indemnity, closing conditions. - [Asset purchase vs stock purchase: which is better for a buyer?](https://oktobuy.ai/guides/asset-vs-stock-purchase): Asset purchase vs stock purchase when buying a small business: liabilities, taxes, contracts, licences and consents compared, and when each makes sense. - [Assuming debt when buying a business](https://oktobuy.ai/guides/assuming-debt-buying-a-business): Should you assume a seller's debt when buying a business? Payoffs at closing vs assumption, lender consent, equipment leases, and how debt affects price. - [Buying a business with a partner: roles, equity and the agreement](https://oktobuy.ai/guides/buying-a-business-with-a-partner): How to buy a business with a partner: splitting roles and equity, the operating agreement, SBA guarantee rules for 20% owners, and handling deadlock. - [Earnouts when buying a small business: how they work and when you can't use one](https://oktobuy.ai/guides/earnout-small-business): How an earnout works when buying a business, why earnouts cause disputes, and why SBA 7(a) acquisition loans prohibit seller earnouts since Oct 2026. - [How to buy an LLC: membership interests or assets?](https://oktobuy.ai/guides/how-to-buy-an-llc): How to buy an existing LLC: buying membership interests vs buying its assets, what comes with the entity, operating agreement consents and filings. - [Letter of intent to buy a business: what to put in it](https://oktobuy.ai/guides/letter-of-intent-buying-a-business): What goes in a letter of intent to buy a business: price, structure, diligence, exclusivity, financing and valuation contingencies, with a plain template. - [Non-compete when buying a business: what to ask the seller to sign](https://oktobuy.ai/guides/non-compete-when-buying-a-business): Why a buyer needs the seller to sign a non-compete, how scope, length and geography are set, and why sale-of-business non-competes are treated differently. - [Representations and warranties in a business purchase: which ones matter](https://oktobuy.ai/guides/reps-and-warranties-small-business): Which seller representations and warranties matter most when you buy a small business, how long they last, and how indemnity and holdbacks back them up. - [Seller transition period: getting the knowledge out of the seller's head](https://oktobuy.ai/guides/seller-transition-period): How long sellers stay after a business sale, what a good transition plan covers, how to pay for it, and the SBA's 24-month consulting limit. - [The closing process for buying a business, step by step](https://oktobuy.ai/guides/closing-process-buying-a-business): What happens at closing when you buy a business: final documents, lender conditions, funds flow, lease and licences, accounts and keys, in order. - [The first 90 days after buying a business](https://oktobuy.ai/guides/first-90-days-after-buying-a-business): What to do in the first 90 days after buying a business: money and controls first, then people and customers, and which changes to hold off on. - [Working capital peg: how buyers protect themselves at closing](https://oktobuy.ai/guides/working-capital-peg): What a working capital peg is, why small business buyers get hurt by working capital, how a peg and true-up work, with a worked example. ## Franchise resales - [Franchise due diligence checklist and questions to ask](https://oktobuy.ai/guides/franchise-due-diligence-checklist): A franchise due diligence checklist: FDD items to review, questions for the franchisor and franchisees, and checks for a resale unit's own numbers. - [Franchise resales: how to buy an existing franchise unit](https://oktobuy.ai/guides/buying-a-franchise-resale): How to buy an existing franchise unit: its own P&L vs system averages, franchisor approval, transfer fees, new agreement terms, remodels. - [How to buy a franchise: a buyer's process](https://oktobuy.ai/guides/buy-a-franchise): How to buy a franchise: read the FDD, use Item 19 carefully, call franchisees, check territory and financing. No best-of lists. ## Industry guides: what to check in the numbers - [Buying a NEMT business: what to check before you buy](https://oktobuy.ai/guides/nemt-business-for-sale): Buying a non-emergency medical transportation business: broker contracts and Medicaid dependence, credentialing, vehicle requirements, trip logs. - [Buying a bakery: what to check in the numbers](https://oktobuy.ai/guides/bakery-for-sale): Buying a bakery: retail vs wholesale accounts, early-morning labor, ingredient costs, owner-baker skill dependence, equipment, recipes and health permits. - [Buying a bookkeeping business: what to check in the numbers](https://oktobuy.ai/guides/bookkeeping-business-for-sale): How to buy a bookkeeping business: verify recurring clients, tenure and pricing, staff vs contractors, software access and the handover. - [Buying a coffee shop: what to check before you buy](https://oktobuy.ai/guides/buy-a-coffee-shop): Buying a coffee shop or cafe: ticket count and average ticket by daypart, cup and milk purchases as a sales check, labor, lease, espresso equipment. - [Buying a commercial cleaning business: what to check in the contracts](https://oktobuy.ai/guides/commercial-cleaning-business-for-sale): Buying a commercial cleaning or janitorial business: contracts and cancellation terms, concentration, night labor, bonding and contract margins. - [Buying a construction business: what to check in the numbers](https://oktobuy.ai/guides/construction-business-for-sale): Buying a construction company: WIP schedule and over/under billings, backlog, bonding tied to the owner, licences, retainage, change orders and key staff. - [Buying a courier or delivery business: what to check](https://oktobuy.ai/guides/courier-business-for-sale): Buying a courier or delivery business: shipper contracts (pharmacy, lab, legal), driver classification, vehicle costs, route density and concentration. - [Buying a distribution business: what to check in the numbers](https://oktobuy.ai/guides/distribution-business-for-sale): Buying a wholesale distributor: supplier line agreements and territories, inventory turns, gross margin, receivables, warehouse costs and working capital. - [Buying a dog boarding or kennel business: what to check](https://oktobuy.ai/guides/dog-boarding-business-for-sale): Buying a dog boarding or kennel business: occupancy and holiday peaks, daycare memberships, zoning and permits, real estate, 24/7 staffing and incidents. - [Buying a dog grooming business: what to check](https://oktobuy.ai/guides/dog-grooming-business-for-sale): Buying a dog grooming business: groomer retention and client loyalty, the appointment book, salon vs mobile vans, add-on services, safety and reviews. - [Buying a gym: what to check in the membership numbers](https://oktobuy.ai/guides/gym-business-for-sale): Buying a gym or fitness studio: active vs billed members, churn, EFT drafts, prepaid memberships as liabilities, equipment leases and lease. - [Buying a hair salon: what to check before you buy](https://oktobuy.ai/guides/hair-salon-for-sale): Buying a hair salon: commission vs booth rental models, stylist retention and client ownership, retail sales, licences, lease and booking data. - [Buying a landscaping business: what to check in the numbers](https://oktobuy.ai/guides/landscaping-business-for-sale): Buying a landscaping business: maintenance contracts vs installs, commercial renewals, seasonal labor and H-2B reliance, equipment, snow revenue. - [Buying a liquor store: what to check before you buy](https://oktobuy.ai/guides/buy-a-liquor-store): Buying a liquor store: licence transfer under state rules, inventory valuation at cost, margins by category, shrink, lottery and tobacco income, and lease. - [Buying a manufacturing business: what to check in the numbers](https://oktobuy.ai/guides/manufacturing-business-for-sale): Buying a small manufacturer: customer concentration, margin by product, equipment condition and capex, inventory valuation, key machinists and quality. - [Buying a pest control business: what to check in the numbers](https://oktobuy.ai/guides/pest-control-business-for-sale): Buying a pest control business: recurring service contracts, termite bonds and warranty liabilities, licensed applicators, route density and chemicals. - [Buying a pizza business: what to check in the numbers](https://oktobuy.ai/guides/pizza-business-for-sale): Buying a pizza shop: delivery vs carryout mix, third-party app fees, cheese and labor costs, ovens, drivers, franchise vs independent, and POS checks. - [Buying a pool service business: what to check on the route](https://oktobuy.ai/guides/pool-business-for-sale): Buying a pool service business or route: price per account, churn, chemical costs, repair revenue, seasonality and how accounts actually transfer. - [Buying a residential cleaning business: what to check](https://oktobuy.ai/guides/cleaning-business-for-sale): Buying a residential cleaning business: recurring clients, cleaner turnover, contractor misclassification risk, booking platforms, pricing and reviews. - [Buying a trucking company: what to check in the numbers](https://oktobuy.ai/guides/trucking-business-for-sale): Buying a trucking company: operating authority, safety record, fleet age, drivers vs owner-operators, customer and broker concentration, insurance. - [Buying a vending machine route: what to check first](https://oktobuy.ai/guides/buy-vending-machine-route): How to buy a vending route: location agreements, host commissions, machine age and card readers, cash collection records, and route scams to avoid. - [Buying an ATM business: what to check on the route](https://oktobuy.ai/guides/atm-business-for-sale): Buying an ATM business or route: surcharge and interchange revenue per transaction, location agreements, processor contracts, vault cash and loading costs. - [Buying an Amazon FBA business: what to check before you buy](https://oktobuy.ai/guides/amazon-fba-business-for-sale): Buying an Amazon FBA business: verify sales in Seller Central, account health, ASIN concentration, ad dependence, inventory and suppliers. - [Buying an HVAC business: what to check in the numbers](https://oktobuy.ai/guides/hvac-business-for-sale): Buying an HVAC business: service agreements vs installs, the licence qualifier, technician retention, seasonality, warranty callbacks and fleet costs. - [Buying an IT business or MSP: what to check in the numbers](https://oktobuy.ai/guides/it-business-for-sale): How to buy an IT services business or MSP: verify recurring contracts, per-seat pricing, tool costs, tech retention and security risk. - [Buying an accounting practice: what to check in the numbers](https://oktobuy.ai/guides/accounting-business-for-sale): How to buy an accounting or CPA practice: check fees and retention by client, tax-season concentration, firm ownership rules, staff, and the transition. - [Buying an auto repair shop: what to check in the numbers](https://oktobuy.ai/guides/auto-shop-for-sale): Buying an auto repair shop: car count, average repair order, technician productivity, parts margin, fleet accounts, environmental issues and equipment. - [Buying an ecommerce business: what to check in the numbers](https://oktobuy.ai/guides/ecommerce-business-for-sale): Buying an ecommerce or Shopify store: revenue by channel, customer acquisition cost and repeat rate, ad account access, inventory, suppliers, refunds. - [Buying an electrical contracting business: what to check](https://oktobuy.ai/guides/electrical-business-for-sale): Buying an electrical contractor: the master electrician or qualifier, service vs contract work, WIP and backlog, bonding, GC concentration and safety. - [Buying an insurance agency: what to check in the book of business](https://oktobuy.ai/guides/insurance-agency-for-sale): Buying an insurance agency: commission revenue by carrier and line, new vs renewal, retention, carrier appointments, producer agreements, contingent pay. - [Day care for sale: how to check a daycare business before you buy](https://oktobuy.ai/guides/day-care-for-sale): Buying a daycare: licensed capacity vs enrollment, staff ratios and qualifications, subsidy dependence, licence transfer, waitlist and the building. - [How to buy a FedEx route (and check the numbers first)](https://oktobuy.ai/guides/how-to-buy-a-fedex-route): How to buy FedEx Ground routes: the contractor agreement and FedEx approval, settlement statements as revenue proof, trucks, drivers, and contract risk. - [How to buy a SaaS business (and check the numbers before you do)](https://oktobuy.ai/guides/saas-business-for-sale): How to buy a small SaaS business: verify MRR from billing data, measure churn by cohort, review the code and founder dependence. - [How to buy a bar (and check the numbers first)](https://oktobuy.ai/guides/how-to-buy-a-bar): How to buy a bar: liquor licence transfer under state rules, pour cost and inventory checks, cash handling and theft, security, dram shop insurance, lease. - [How to buy a car wash (and check the numbers before you do)](https://oktobuy.ai/guides/how-to-buy-a-car-wash): How to buy a car wash: verify car counts and memberships, test sales against water and chemical use, judge equipment and land, and spot weak add-backs. - [How to buy a convenience store: what to check in the numbers](https://oktobuy.ai/guides/convenience-store-for-sale): How to buy a convenience store without fuel: sales by category, tobacco and lottery at thin margins, licences, shrink and cash, inventory count and lease. - [How to buy a dental practice (and check the numbers first)](https://oktobuy.ai/guides/how-to-buy-a-dental-practice): How to buy a dental practice: production vs collections, payer mix, hygiene recall, active patients, associates, equipment and transition. - [How to buy a dry cleaning business: what to check](https://oktobuy.ai/guides/how-to-buy-a-dry-cleaning-business): How to buy a dry cleaner: plant vs drop store, solvent and perc environmental history, Phase I, equipment, pickup routes, revenue trend and cash sales. - [How to buy a fast food restaurant](https://oktobuy.ai/guides/how-to-buy-a-fast-food-restaurant): How to buy a fast food restaurant, usually a franchise resale: franchisor approval, royalties and ad fund, remodel requirements, drive-thru data and labor. - [How to buy a gas station (and what to check underground)](https://oktobuy.ai/guides/how-to-buy-a-gas-station): How to buy a gas station: fuel margin per gallon vs inside sales, branded supply agreements, underground storage tanks, environmental checks. - [How to buy a home health agency: what to check](https://oktobuy.ai/guides/how-to-buy-a-home-health-agency): How to buy a home health or home care agency: Medicare-certified vs non-medical, the CMS 36-month rule, state licensing, payer mix and caregiver turnover. - [How to buy a hotel franchise](https://oktobuy.ai/guides/how-to-buy-a-hotel-franchise): How to buy a franchised hotel: franchise transfer or new agreement, property improvement plans, brand fees, management contracts, STR data and financing. - [How to buy a laundromat (and check the numbers before you do)](https://oktobuy.ai/guides/how-to-buy-a-laundromat): How to buy a laundromat without overpaying: test revenue against water bills, read the lease first, price the machines and spot weak add-backs. - [How to buy a marketing agency (and check the numbers first)](https://oktobuy.ai/guides/marketing-agency-for-sale): How to buy a marketing agency: retainers vs projects, client concentration and tenure, founder-led sales, contractors and margins. - [How to buy a med spa (and what's different from a day spa)](https://oktobuy.ai/guides/how-to-buy-a-med-spa): How to buy a med spa: state medical ownership rules, the medical director, injector retention, prepaid packages as liabilities, products. - [How to buy a motel business: what to check in the numbers](https://oktobuy.ai/guides/how-to-buy-a-motel): How to buy a motel: occupancy, ADR and RevPAR from the property system, OTA commissions, long-stay guests, deferred maintenance, flags and PIPs. - [How to buy a nail salon business](https://oktobuy.ai/guides/how-to-buy-a-nail-salon): How to buy a nail salon: cash and tips, technician pay and classification, licences, ventilation and chemical safety, reviews, lease and booking data. - [How to buy a physical therapy practice: what to check](https://oktobuy.ai/guides/how-to-buy-a-physical-therapy-practice): How to buy a PT clinic: payer mix, visits per therapist, collections per visit, Medicare change-of-ownership enrollment, credentialing delays and staffing. - [How to buy a plumbing business (and check the numbers first)](https://oktobuy.ai/guides/how-to-buy-a-plumbing-business): How to buy a plumbing business: service vs new construction, the master plumber licence, call volume and average ticket, techs and callbacks. - [How to buy a restaurant (and check the numbers before you do)](https://oktobuy.ai/guides/how-to-buy-a-restaurant): How to buy a restaurant: verify sales from POS and processor data, prime cost, cash, liquor licence, lease, health inspections and owner-chef dependence. - [How to buy a roofing company (and test whether the revenue lasts)](https://oktobuy.ai/guides/how-to-buy-a-roofing-company): How to buy a roofing company: storm and insurance work volatility, lead sources, subcontracted crews, warranty liabilities, licensing and workers' comp. - [How to buy a self storage facility: what to check](https://oktobuy.ai/guides/self-storage-for-sale): How to buy a self storage facility: physical vs economic occupancy, rent rolls, delinquency and lien sales, expenses and tax reassessment. - [How to buy a veterinary practice (and check the numbers first)](https://oktobuy.ai/guides/how-to-buy-a-veterinary-practice): How to buy a vet clinic: revenue per doctor, active clients, pharmacy and inventory, DEA registration, state ownership rules, staff and equipment. - [How to buy an RV park or campground: what to check](https://oktobuy.ai/guides/rv-park-for-sale): How to buy an RV park or campground: long-term vs transient sites, seasonality, utilities and submetering, well and septic permits, zoning and real estate. - [How to buy an existing UPS Store (franchise resale)](https://oktobuy.ai/guides/how-to-buy-a-ups-store): How to buy an existing shipping and print franchise like a UPS Store: franchisor approval, FDD, mailbox and print revenue, shipping margins and lease. - [How to buy an independent pharmacy: what to check](https://oktobuy.ai/guides/how-to-buy-a-pharmacy): How to buy an independent pharmacy: script volume and margin, PBM contracts and clawbacks, DEA registration, permits, inventory, front end. - [How to buy an online business (content sites, newsletters, digital products)](https://oktobuy.ai/guides/buy-online-business): How to buy an online business such as a content site, newsletter or digital product: traffic concentration, revenue checks, asset transfer. - [Lawn care businesses for sale: how to check a mowing route](https://oktobuy.ai/guides/lawn-care-business-for-sale): Buying a lawn care or mowing business: route density, spring churn, price per stop, owner-operator dependence, equipment age and customer transfer.