Ben Kelly

This is Shaquille O’Neal.

He owns 355 boring businesses that make millions.

I’m no ex-NBA star…

But I still own 6 boring businesses that make $725k per year.

Here’s how I bought them as a normal guy:

Shaq might honestly love buying businesses more than I do (which is wild) 😂

He owns:

🪩 Nightclubs in Las Vegas
💪🏼 40x 24-Hour Fitness
🛒 1x Shopping center
🥨 17x Auntie Anne's
🚗 150x Car Washes
🍿 1x Movie theater
🍔 155x Five Guys
🍽️ 1x Restaurant

That’s not even all of it (he’s invested in countless other brands and companies).

He makes more now than in the NBA.

But even if you’re just a normal guy (like me), you can do the exact same thing.

I’ve bought 6 businesses with the bank's money that pays me $725k per year.

Here’s my full blueprint (no gatekeeping):

1) Pick a recession-proof industry (HVAC, Accounting, Laundromat, etc.)

2) Use a broker (or BizBuySell) to look for businesses that are up for sale.

• $10k+/month cash flow
• $500k-$1M price
• 5 years old

3) Apply for an SBA Loan

4) Bring your tax returns & W2 pay stubs

5) Explain which business you want to acquire and why you are buying it.

6) Hire an accountant to analyze the financials of the business you’re looking at.

(btw, you can pay them in equity)

7) Look for consistent, increasing revenue

8) Talk to sellers (see why they’re selling)

Note: I usually buy from retiring Boomers

9) Make an offer 2.34x SDE (cash flow)

Example:
↳ If the seller took home $400k last year you should make an offer for $936k.

10)Use your SBA loan to finance 90%

11)Find an investor who'll give you the last 10% (give them 15% equity in return.

Congratulations.

You bought a business with $0.

Let’s say the biz cash flows $33k/month.

I pay the investor 15% ($5k/mo) and I pay a GM to run the daily ops ($5k/mo)

Then I pay $12.6k in debt servicing (which is 11.5% interest rate over 10 years).

I’m left with $10,733 per month.

I’m just a regular guy (ex-corporate).

I’m nowhere near Shaq’s level, but business acquisition still changed my life.

I earn way more than my old job at JP Morgan and I only work 20 hours per week.

SBA is for everyone.

Want to learn more about how you can acquire a boring business for yourself?

You’re in the right place.

Follow me → Ben Kelly

Don’t spend $100k on an MBA.

Instead, buy a boring business that pays you $100k per year.

These are the 8 best options right now:

–

1) Storage Facilities

I can't imagine a world where people stop collecting unnecessary stuff.

Storage is a super simple model:

• Automated access systems
• Little daily management
• Recurring payments

That's a win in my book.

–

2) Waste Management

If we're talking timeless, I don't think there's a better candidate here.

Humans will always produce waste.

Waste Management:

• Will survive the worst recessions
• Provides recurring revenue
• Is an essential service

–

3) Laundromats

Sure, you might have to go pick up your coins and cash every day.

But that's a problem I'm okay with.

People are always going to need to wash their clothes no matter what.

Good locations crush it.

–

4) Accounting Firms

I've acquired more than one CPA Firm (and so have some of my students).

They provide services like:

• Fractional CFO services
• Financial planning
• Tax planning

Extremely underrated right now.

–

5) Pest Control Service

The Pest Control industry comes with a very specific advantage.

It's a "no choice" service.

When you have bugs in your house, you're getting them out no matter what.

Good for business.

–

6) Plumbing Services

I don't think I need to get into the dirty details here (nor would you want me to).

Plumbers deal with:

• Pipe installation
• Septic needs
• Drainage
• etc.

It's a lame but lucrative industry.

–

7) Funeral Services

Okay, I know I said Waste Management might be the most timeless business...

I stand corrected.

Funeral Services will:

• Survive most recessions
• Always be essential
• Never go away

–

8) Cleaning Companies

I think it's going to be quite a while before we start seeing robo-maids around the house.

Cleaning companies can crush it.

The market is absolutely massive.

Right about now, there are 140M homes across the United States of America.

–

Business acquisition changed my life.

In the last 5 years...

I've acquired 7 boring businesses that generate over $7M in annual revenue.

If you want to learn the exact process I use, DM me "Biz" and I'll send over some details.

I used to work at JP Morgan...

& this is exactly how I’d invest $25k if I had the choice:

I’d buy a Laundromat.

I know what you’re thinking:

“Why would you buy a boring Laundromat?”

But the truth is...

I can buy one of these with $25k down and cash flow $17k+ every month.

How?

By using creative financing and solutions to scale its revenue.

This is the strategy I used to build my portfolio of boring businesses doing $7M in annual revenue.

If you want to learn the exact steps I used to acquire each one...

DM me "Biz" and I'll show you.

Thanks for being here!

Left: Selling my soul, working 60+ hours a week

Right: $836k/year working 20 hours a week

It wasn’t easy…

But here are the 7 rules I lived by (that changed my life forever):

–

Rule #1: Stop believing the corporate fairy tale.

I spent years thinking that if I just worked harder, the rewards would come…

But after constant 60-hour weeks…

I realized:

The system isn't designed for you to escape it.

–

Rule #2: Find your own path to wealth.

I started researching alternatives to the corporate grind.

Not side hustles or get-rich-quick schemes.

Real, proven ways that regular people build wealth outside the traditional system.

–

Rule #3: Focus on cash-flowing assets.

Most people's idea of “investing” is watching their 401(k) slowly grow.

I discovered something better:

Buying existing, profitable businesses.

Businesses that generate cash from day one.

–

Rule #4: Leverage other people's money.

I learned about SBA loans that cover 90% of a business purchase.

For the down payment?

I found investors willing to trade cash for equity.

This strategy let me acquire businesses with little to $0 of my own money.

–

Rule #5: Start small, then scale.

My first acquisition was a small software company that cost me just $5k for a minority stake.

It wasn't glamorous, but it worked.

That business now pays me $150k/year, and I've since acquired 6 more.

–

Rule #6: Build systems, not jobs.

The corporate trap is trading time for money.

So, I only buy businesses with existing teams and systems that don't require my daily presence.

I hire general managers and focus on strategy.

–

Rule #7: Choose freedom over status.

Most people chase promotions & bonuses.

Meanwhile, I work ~20 hours a week across 7 businesses that generate $7M+ in revenue.

And the best part?

I fully control my time.

–

These 7 rules took me from corporate burnout to financial freedom in 5 years.

If you want to learn how to set yourself up for freedom with a boring business that pays you every month…

DM me “Biz” and we’ll chat.

7 years ago, I was living the American Dream:

💸 6-figure salary
😍 Amazing benefits
🏦 Big corporate bank

But I was working 40+ hours per week, unable to watch my own children grow up.

Now I work on my own time.

Here’s the story of how I got my REAL dream life:

I had just gotten a job at JP Morgan.

As I said, “6-figure salary, tons of benefits, big name bank,” the whole 9 yards.

But guess where 45% of my paycheck went?

The government.

I noticed all the wealthiest clients at the bank owned businesses.

They would acquire small, local operations and upgrade them to increase cash flow.

They never worked more than 20 hours/week.

I wanted in.

So I bought a SaaS company.

I put in $5k for 10% and make $13k/month in cash flow (while working at JP Morgan).

Then I reinvested that into:

1. A Nail Salon
2. A Web design Company

I made $16k/month from them, which I reinvested to buy 3 more businesses:

1. Accounting Firm
2. Financial Services Company
3. ATM Route

I was able to quit my job and live off the business cash flow ($800k/year).

Now I only work 18 hours/week.

Meaning I spend more time with my family.

Don’t get me wrong, corporate America is a great place to increase your income…

But you’d be a fool to think it’s the best place to create the life you truly want.

Want to learn how you can find and buy your first boring business?

DM me "Biz" and I'll show you how.

How To Buy A $100k/Year Business In 7 Steps

Boring income streams are the best.

You’d be foolish not to consider one of these lame but lucrative businesses:

--

1) Laundromat

When done right?

Laundromats are an absolute score.

• Offer WiFi + TV
• Place vending machines
• Implement a wash + fold service

Great way to increase revenue.

--

2) Vending Machines

You can sell:

• Snacks
• Ice cream
• Health foods
• Cryptocurrency

They have vending machines for just about everything these days.

--

3) Self-Serve Car Wash

This might be one of the most hands-off businesses ever:

• Automated payment systems
• Self-service equipment
• 1 employee

Water + Soap + Automation = Profit

--

4) Mini Mailbox Centers

Mailbox centers rent out small, medium, or large mailboxes to people who need a business address.

Plus, they basically run themselves.

Monthly recurring revenue at its finest.

--

5) Parking Garage Terminals

Location is everything here:

• Automated entry/exit
• Digital payment systems
• Zero customer service needed

Just collect checks while others park.

--

6) Storage Facilities

Storage is a simple business model:

• Automated security systems
• Digital access control
• Minimal staff

(And people never stop hoarding stuff)

--

7) ATM Machines

It's like a vending machine but for money.

They earn via surcharge, so if you have 20 people/day at a $3.00 surcharge...

That's $60/day ($21,900/year).

My ATM Route cash flows $450k/year.

--

8) Landscaping

It may not be pretty, but landscapers are often paid a pretty penny.

They do:

• Lawn care
• Tree trimming
• Landscape design

They're usually recurring services too.

--

Right now, I own 7 boring businesses.

Last year, they generated $836,072

If you want to learn how to build your own business portfolio...

DM me "Biz" and I'll show you how.

Most parents set up 529 plans to save for college tuition.

But I'm doing something different:

I'm buying boring businesses for my kids.

Cash-flowing assets, instead of just a savings account.

🧮 Accounting firms...
🏧 ATM Routes...
💻 SaaS...

Businesses that make money while they sleep.

When my 3 kids turn 18, they'll have real options.

We can keep collecting the cash flow, or even sell the business to cover tuition.

I built my wealth by acquiring businesses, and I've even helped others do the same for their children.

My kids will inherit that same strategy, along with the assets to back it up.

If you want to learn exactly how you can set your kids up for success via business acquisition...

DM me "Biz" and I'll show you how.

Thanks for being here!

The million-dollar business formula:

1. Find a Boomer ready to retire
2. Offer 2-4x annual cash flow
3. Use an SBA loan for 90% financing
4. Private investor covers 10% down
5. Hire a GM to run daily operations

This is how I make over $800,000 per year.

Here’s a FULL step-by-step breakdown:

–

Step 1: Find the right business.

Focus on service-based, recession-resistant operations with:

• Seller looking to retire
• $200k-$400k yearly profit
• 5+ years of consistent revenue
• Existing systems and employees

I use SMBMarket(.)com for this.

–

Step 2: Secure your financing.

Apply for an SBA loan (look at these banks):

• Truliant Bank
• Live Oak Bank
• Huntington Bank

Bring 3 years of tax returns and a personal financial statement.

Banks want to see you as a "safe bet."

–

Step 3: Identify your investor.

For the 10% down payment ($100k in our example)…

Find someone to cover it in exchange for 15% equity.

On a business making $300k/year, that's $45k annually for them.

Pretty easy sell.

–

Step 4: Make smart offers.

Calculate 2x-4x the yearly cash flow (more likely between 2-3x).

If a business makes $300k/year in profit, offer ~$700k.

This ensures you'll have enough leftover cash flow after loan payments to:

• Hire a GM
• Pay your investor
• Take home profit yourself

–

Step 5: Execute due diligence.

Hire an accountant to verify financials (offer them 2% equity instead of cash).

Look for:

• Employee turnover
• Reasonable expenses
• Client concentration risks
• Consistent revenue trends

–

Step 6: Close and optimize.

After closing, immediately:

• Update systems
• Meet all employees
• Implement better tech
• Raise prices (if needed)
• Hire a GM to run day-to-day

The business should run without you within 90 days.

–

The math:

• $300k yearly cash flow
• $100k to loan payments
• $45k to your investor
• $60k to a general manager
• $95k to you annually

That's $7,916/month for controlling a $1M asset that someone else runs.

(& in 10 years, you'll own it outright).

–

This is exactly how I built my portfolio to $836k/year with just 20 hours of work/week.

The secret isn't working harder…

It's leveraging bank financing and other people's money to control assets you otherwise couldn't afford.

--

If you want to learn the full system I use to find, acquire, and optimize small businesses…

DM me “Biz” and I'll show you everything.

My wife and I reached financial freedom in our early 30s.

& despite what most people believe...

Anyone can do the same.

Here's how:

--

First, you earn promotions at work.

The idea here is to increase your income.

Keep your expenses low & improve your credit so banks will approve you for an SBA loan.

Now, you have the tools to buy a boring business…

--

Next, pick a recession-proof industry.

(Ex: a plumbing business)

Look for profitable businesses on SMBmarket(.)com ($100k+/year cash flow).

You hire a CPA and an industry professional to help you analyze the deals.

--

You’ll meet with the seller & offer to buy their business at 2-4x yearly cash flow.

85% of the deal is financed with an SBA loan, and the last 15% with seller financing/buyer injection of capital.

(That means you’re $0 out of pocket if you bring an investor)

--

After purchase…

Use the current general manager (or hire) to run the day-to-day.

Set up a website, social media, and efficient systems to add value to the business.

--

After 90 days, you can step away and spend a few hours a week on the business.

This is exactly how my wife and I bought 3 businesses while working our 9 to 5.

(Then 4 more once we quit our jobs)

--

We currently own 7, and last year they paid us $800k+ for 25 hours/week of work.

It's not easy…

& we did face challenges…

But this is 100% possible for anyone who makes it their goal.

--

Want to learn more about how you can acquire small businesses with little to $0 down?

DM me "Biz" and I'll show you how.

I don't care if Bitcoin hits $1,000,000.

Either way…

Smart buyers will continue using cheap government-backed SBA loans to buy boring businesses.

(for little to $0 out of pocket)

Here's the strategy that's helped my students acquire millions in small businesses:

--

The SBA is a government program designed to encourage business investment.

They back up to 85% of the loan value, so banks are more willing to give them out at competitive interest rates.

No matter what the market is doing…

This program won't be going away.

--

The process:

1. Find a business for sale.
2. Get it under contract.
3. Get an SBA loan at ~8% interest.
4. Find a private investor who pays the downpayment.
5. Hire a manager to run the day-to-day.
6. Use the cash flow to pay off the loan.
7. The leftover cash flow goes to you.

--

First, find a business that you want to buy.

Look at sites like SMBmarket(.com).

Some great industries include

• HVAC
• Plumbing
• Accounting
• Home Services
• Waste Management

--

Once you have a business under contract…

Go to a bank that offers SBA loans (Live Oak, Truliant, Customers, Huntington, Fundex).

Each bank gives slightly different terms.

So choose which one suits you best.

--

What you'll need:

• Personal tax returns
• Debt statement
• Personal financial statement
• Your resume (to show you're suitable)
• A short business plan
• Some sort of collateral

--

Let's say you wanted to buy an ATM Route (I found one for $715,000).

Yearly Revenue: $335k
Yearly Cash Flow: $225k

You would finance 90% with the SBA loan.

A private investor could pay the rest (in return, you give them 15% equity).

--

The business makes $225k after expenses.

You pay $104,196/year in debt repayments.

You pay $18,120 to the investor (15%).

You're left with $108,722 to either reinvest in the business or pay yourself.

Not bad for $0 out of pocket…

--

There are 1,000s of deals like this.

You just need to look.

& instead of arguing about price action…

Focus on profiting from the government programs that are already in place.

--

If you want to learn more about how you can use this process to buy a boring business for yourself…

DM me "Biz" and I'll show you how.

I stopped listening to mainstream money advice and made $836,072 in a single year.

My strategy might be boring…

But it set me financially free, here’s how:

--

Mainstream advice told me to:

• Retire at 65
• Max out my 401k
• Save 20% of my income
• Work 40 years at JP Morgan

I did the math on that plan and realized I'd be old by the time I had any real freedom.

--

So I ignored it all & did something different.

Instead of saving to invest in stocks…

I used other people's money to buy businesses that were already making money.

Here's the deal:

--

Every day, 10,000 Baby Boomers retire, and most of them own businesses.

They want to sell but don't know how.

Banks want to lend money to buy these businesses (it's called an SBA loan).

This is safer for them (compared to startup capital) because the business is already profitable.

--

The structure is pretty straightforward:

Let's say you find a business making $300k/year that's listed for $1M.

• The bank covers 90% ($900k)
• You find someone to cover 10% ($100k) and give them 15% equity
• You put in $0 of your own money

The business cash flow pays back the loan while you keep the rest.

--

"But I don't know how to run a business."

Neither did I when I started.

That's why I only buy businesses that already have a team in place.

I acquire businesses that have a general manager who handles the day-to-day operations.

--

The math on that $1M business I mentioned:

• $300k yearly cash flow
• $100k to loan payments
• $45k to your investor (15%)

You keep $150k/year for a business you spent $0 to buy.

(Now imagine owning 3 or 4 of these)

--

It takes work to find the right business, structure the deal, and put the team in place.

But it's way more predictable than hoping the stock market goes up or waiting 40 years to retire.

I went from working 60 hours/week at JP Morgan to making $836k/year working 20 hours/week.

--

The businesses I buy aren't sexy:

• SaaS
• ATM routes
• Accounting firms

But they're profitable, they're boring, and they let me spend my days with my wife and 3 kids.

That's worth more than any fancy corporate title ever was.

--

If you want to learn more about how to find and acquire your first business…

DM me “Biz” and I’ll show you how.