Your next action
Start by saving your buying plan. OwnerPath will then tell you what to do next based on your deals, proof gaps, financing cushion, and follow-up tasks.
Today
Your business-buying co-pilot.
OwnerPath gives beginners a clear path: build your buying plan, screen listings, model financing, collect proof, prepare questions, and know whether to advance, reprice, or walk away.
Basic workspace
0 of 25 screens used
No deals screened yet. Paste a listing to get your first plain-English deal decision.
Purchase progress
0 of 10 steps complete.
Open roadmapDo not do this yet
- Do not make an offer before proof is reviewed.
- Do not rely on seller cash flow without tax returns or support.
- Do not assume financing is available until a lender reviews the deal.
- Do not paste restricted or sensitive seller files into this browser-saved early-access workspace.
Saved deals needing attention
Deals to reprice or walk away from
Missing proof
Weekly brief
Ask OwnerPath
Get a simple answer before you move forward.
This helper explains terms, next steps, broker questions, risks, and professional review triggers. It will not tell you to buy a business.
Plain-English help
Start by building your buying plan. Then paste a listing and OwnerPath will tell you whether it is worth a call, needs proof first, the price looks too high, or you should walk away.
Roadmap
From "I want to buy a business" to closing.
This is the hand-holding layer: OwnerPath shows the big steps, what is complete, what is blocked, and what to do next. It is guidance, not legal, lending, tax, or accounting advice.
Acquisition path
0 of 10 steps complete.
Buying Plan
Tell OwnerPath what you can realistically buy.
This is a planning tool, not financing approval. OwnerPath uses it to flag deals that are too expensive, too risky, outside your target industries, or unlikely to pay the loan comfortably.
What this plan changes
Based on this plan, OwnerPath will flag deals that are too expensive, too risky, outside your target industries, or unlikely to pay the loan comfortably.
Add a Deal
Paste a listing and get the plain-English read.
Use listing text, broker notes, or financial numbers you are authorized to use. Advanced loan assumptions are optional.
What OwnerPath is doing
- Waiting Reading the listing
- Waiting Finding the key numbers
- Waiting Explaining seller cash flow
- Waiting Checking loan-payment cushion
- Waiting Looking for red flags
- Waiting Listing missing proof
- Waiting Creating broker questions
- Waiting Saving your report
Financial text helper
Paste confusing business numbers.
OwnerPath can translate P&L snippets, seller adjustments, payroll notes, debt schedules, and broker tables into plain English.
What OwnerPath will explain
- What the numbers appear to mean.
- Which claims need proof.
- Which questions to ask next.
- How the numbers affect price, payments, and risk.
Financing
See whether the deal can carry the debt.
Model buyer cash, bank debt, seller financing, interest rate, buyer salary, and stress cases before you spend weeks on a deal that cannot support itself.
Financing check
Choose a saved deal or enter a manual scenario. OwnerPath will estimate debt payments, cash after debt, supportable offer, and what happens if cash flow drops.
Deal Room
Turn seller claims into a proof checklist.
Track what you have, what is missing, what each item proves, and which professional should review it. Paste allowed document text or broker notes for a plain-English review.
Paste financial or diligence text
Plain-English proof review
OwnerPath will explain what the text appears to show, where it conflicts with the listing, and what to ask for next.
My Deals
Saved deal cards.
No crowded stage board by default. Each card shows the decision, score, loan-payment cushion, top concern, and next action.
Show stage view
NewWorth a callWaiting on proofPrice looks too highOffer candidateDue diligenceWalked awayArchived
Learn
Short lessons for first-time buyers.
Each lesson gives a simple explanation, why it matters, what can go wrong, and what to ask next.
What does it mean to buy a business?
You are buying customers, people, systems, contracts, risks, and cash flow. Ask what exactly transfers at closing.
What is seller cash flow?
Seller cash flow is the seller's claimed yearly owner benefit before your loan payment. Treat it as a claim until documents support it.
What are addbacks?
Addbacks are expenses the seller says will not continue after closing. Ask for proof for every one.
What is loan-payment cushion?
Loan-payment cushion compares cash flow with debt payments. Thin cushion means lender and buyer risk goes up.
What does a broker do?
A broker usually represents the seller. Be polite, but verify every claim.
What is a CIM?
A CIM is the broker sales packet. It helps you screen a deal, but it is not proof by itself.
What is an LOI?
An LOI is an early offer letter. Have important terms reviewed before signing.
What is due diligence?
Diligence is the proof stage: tax returns, payroll, customers, lease, licenses, contracts, employees, and legal issues.
What should a lender review?
Loan amount, buyer cash, repayment ability, industry fit, collateral, and buyer experience.
What should a CPA review?
Tax returns, seller cash flow, addbacks, margins, payroll, working capital, and unusual expenses.
What should an attorney review?
Offer letters, leases, contracts, licenses, liabilities, liens, closing documents, and transfer consents.
Glossary drawer
SDESeller cash flow. The seller's claimed owner benefit before your loan payment.
EBITDAEarnings before interest, taxes, depreciation, and amortization. More common in larger deals.
AddbackA seller expense adjustment that needs proof.
DSCRLoan-payment cushion. Cash flow compared with debt payments.
CIMBroker sales packet. Useful, but not proof by itself.
LOIEarly offer letter. Have important terms reviewed.
NDAConfidentiality agreement before receiving private details.
Working capitalMoney needed to keep the business running after closing.
Seller noteSeller-financed part of the purchase price.
Lease assignmentLandlord approval to transfer the lease to a buyer.
Customer concentrationRisk from too much revenue coming from one customer.
SBA loanA government-backed small-business loan that still requires lender approval.
Asset saleA purchase where you buy selected assets instead of the whole legal company.
Stock saleA purchase where you buy the company entity, which can include more hidden liabilities.
Purchase priceThe price paid for the business before costs, reserves, and debt structure.
MultiplePrice compared with seller cash flow, such as 3x SDE.
Gross marginRevenue left after direct costs before overhead.
Net incomeProfit after normal expenses before owner adjustments.
PayrollEmployee wages, taxes, benefits, and staffing costs.
NoncompeteA seller promise not to compete after the sale, if enforceable.
Closing conditionsThings that must happen before ownership transfers.
Reports
Download the packets a serious buyer needs.
Reports are downloaded as Markdown so you can share or edit them. They organize your assumptions, risks, proof requests, financing check, and advisor questions.
Buyer brief
Plain-English decision, score, risks, proof gaps, and next step.
Lender pre-check
Sources, uses, debt payment, cushion, cash after debt, and stress cases.
CPA review list
Tax returns, seller cash flow, addbacks, payroll, margins, and proof questions.
Attorney issue list
Offer terms, lease transfer, contracts, licenses, liens, liabilities, and closing conditions.
Weekly buyer brief
Best deals, deals to reprice, missing proof, tasks, and next actions.
Settings
Plan, usage, storage, and safety.
Plan
Basic Early Access. Built to become a $49/month self-serve workspace after accounts and billing are active. Free to test today.
Usage
25 screens/month, 10 active deals, buying plan, roadmap, task list, financing lab, proof tracker, financial text helper, deal cards, and Markdown packets.
Data storage mode
Your early-access workspace is saved in this browser on this device. Export your workspace if you want a backup. Do not use this mode for sensitive seller documents.
Export workspace
Download the browser-saved workspace as JSON.
Clear workspace
Remove browser-saved OwnerPath data from this device.
Source compliance log
Every deal import requires user attestation that the content is authorized and source terms allow the use.
Professional review
OwnerPath is decision-support software, not legal, tax, accounting, lending, valuation, brokerage, insurance, or investment advice.