The Process

Buying a business — the right way.

Finding a business is the easy part. Buying the right one, at the right price, with the right structure — that’s what we do.

The Region

A region built for owners who plan to stay.

Step

01

Find the right business

We don’t send you a listings feed. We take a brief — category, budget, lifestyle, income target — and then we go looking. That includes what’s on-market, and every off-market operator in our network who’s quietly open to the right offer.

What Arzman handles

Step

02

Verify the ROI

This is where most first-time buyers get burned. We stress-test three years of financials against POS data, bank deposits, and supplier invoices — and we translate the numbers into plain English so you know exactly what you’re buying.

What Arzman handles

Step

03

Structure the financing

Cash, seller VTB, commercial loan, CSBFP, BDC — the right structure depends on your cash position, risk comfort, and the deal itself. We work with lenders every week and know exactly which package fits which buyer.

What Arzman handles

Step

04

Close with the team

Lawyers, accountants, lenders, and business-intelligence specialists — all coordinated by us, all working from the same deal file. You show up for the important calls. We handle everything in between.

What Arzman handles

Advisory, Not a Listings Feed

Every deal starts across a table.

We don’t push listings. We sit down, understand what you actually want to own, and walk you through the numbers side by side — until the decision is obvious.

Due Diligence & ROI

How to read the numbers — honestly.

Buying a business is buying a cash-flow stream. Here’s how we think about it, in plain language.

Reading the financials

Revenue trend — flat is fine, growing is better, declining needs an explanation.
COGS % — cost of goods sold should be consistent year over year.
Rent % — a healthy small business usually spends 6–12% of revenue on rent.
Labour % — plus an honest wage for the owner’s own hours.
SDE — seller’s discretionary earnings, after all add-backs are verified.

Red flags we watch

Cash sales that don't match bank deposits.
Add-backs that quietly re-appear in next year's expenses.
A lease with under 3 years and no renewal option.
Concentration risk — one customer, one supplier, one platform.
A seller who won't verify the numbers under NDA.

ROI in plain language

Return on invested cash is what matters.

If you put $200,000 of your own money into a deal that clears $110,000 a year in cash flow after debt service, that’s a 55% return on invested cash — in year one. Compare that to paying $500,000 cash for the same business and clearing $140,000: still great, but a 28% cash-on-cash return. Neither is wrong. But they are very different plans.

Financing

Cash or leverage — we'll help you fund it right.

Some buyers pay cash and own it outright. Others use a bank loan to keep their capital working and stretch further. Both can be the right call — it depends on your cash, your comfort with risk, and the deal itself. We’ll walk you through your options and connect you with the right lending partners.

Let's find your business over a coffee.

No pressure. No pitch. Just a real conversation about what you want to own, what it should earn, and how to get you there.