How Searchers Can Slash Over $100K Off Their Purchase Price:

The percentage depends on the total purchase price. Typically, requiring the seller to carry a 10-20% note is considered best practice. For deals under $5,000,000 in enterprise value (EV), buyers should ideally be able to put down 10-15% and finance the remainder. If buyers cannot meet these terms, it often indicates that the seller is asking for a price higher than what the market is willing to pay. While injecting more capital is an option, it's crucial to assess whether the business can support a higher asking price and why such an increase is warranted.

^Searchfunder member‌ thank you for this post. Regarding #2, what percentage of the purchase price would you push to be compliant with the debt service ratio? Said another way, wouldn't a reasonable counter argument from the seller be that if only 60% is financeable within the coverage ratio, that's fine, the deal is appropriate for those who can inject more capital?‌