Looking to buy on my own, good or bad idea?

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December 20, 2020

by a searcher from Pepperdine University - Graziadio School of Business and Management in Los Angeles, CA, USA

I have access to about $1.5M that I would like to use to buy a $5M-$7M business. I would get a bank loan to cover the difference. I have 20 years of business experience, especially in digital marketing. I don't have access to outside investors though. I would be buying the deal on my own.

Would I be able to find a good deal on my own? Am I having realistic expectations?

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commentor profile
Reply by a searcher
from University of California, Los Angeles in La Jolla, San Diego, CA, USA
Following.
Been going through a similar evaluation but not the same deal size. Here’s where am I am now

PROS:
*No need to raise outside capital (duh!) but that means less time trying to sell investors, less legal work and cost, and less paperwork in general.
*Greater autonomy - LPs have reduced authority anyway, but if there are none, you can buy, operate, inject/remove capital, exit or never exit, all on your own doing

CONS:
*Lack of Diversification - Presumably your putting your time, skills, and now capital into this business. Whereas, if you were to invest that money elsewhere and then raise money for this acquisition, you would reduce risk and put less pressure on this deal.
*Oversight - The flip side of autonomy is lack of accountability. Minus employees and maybe your family, without shareholders to help keep you on track, it’s all your shoulders. You may be able to create this with great advisors, but it would be hard to replicate.
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Reply by an intermediary
from Harvard University in Nashville, TN, USA
First, buying a business with a debt-heavy capital structure is dangerous, especially if it’s your first shot at business ownership. Buy something that gives you some breathing room, like 70/30 equity/debt. Second, find a business that has a break you can fix. Finally, go into the investment with an exit in mind. If you can’t see a logical path to get a 20%+/- IRR on your equity, you’d be better off investing your cash in a stable growth tech stock like Amazon or Apple. Bonus point, don’t go into business ownership just to “be your own boss.” Sometimes, that guy isn’t a good boss.
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