Codie SanchezFounder @ Contrarian Thinking

The biggest lie in buying a business is that you don’t have enough money

14 May 2026 · 1 min

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Codie Sanchez argues that money isn't the real barrier to buying a business. 78% of small business sales involve seller financing, where the seller gets paid from the company's profits. Other options like SBA loans, earnouts, and equity rollovers let entrepreneurs buy with little or no cash of their own.

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You know what the biggest lie Wall Street wants you to believe? I don't have the money to buy a business. That's just not true. Let me prove it to you. 78% of small businesses in America sell with seller financing. So when you tell me you can't buy a business because you don't have the money, I'm telling you that's lies from Wall Street. You don't have a money problem. You actually have an information problem. What if the person selling you the business could become your bank? That's how seller financing works. So here's how it goes. The owner wants out. You want in. Instead of scraping together $500K cash, with seller financing, they take payments monthly from the profits of the business you just bought. So you're paying them back with your own money, and that's just like one way to do it. Creative financing means you have options. You can do seller financing, SBA loans, earnouts, equity rollovers, assumable debt. Many people buy businesses without even using their own cash. Third-party investors. Capital is rarely what's blocking you from buying a business, not knowing what your options are.