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!

Everyone thinks you need tons of capital to buy a business.

But that's actually not true.

I’ve acquired 8 businesses over 5 years (& didn’t always use my own money).

Let me show you how:

--

It’s called an SBA 7(a) loan…

It’s a government-backed loan that allows you to buy any small business in America.

You finance 90% with the loan & find an investor who pays 10% in return for 20% equity.

--

Here’s a car wash in Arizona that I found on smbmarket(.com).

• Purchase price: $1.2M
• Annual cash flow: $400k
• Debt service (SBA loan): $137k/yr
• GM salary: $75k/yr
• Investor cut (20%): $80k/yr

So you’d take home $9k a month on this deal.

--

I bought my first business (a nail salon) while I was still working at JP Morgan.

The owner was retiring & selling for $1.2M.

My partner & I used an SBA loan and an investor to close for $0 down.

I kept my W-2 the entire time & we cash flowed $5k/month.

--

That was in 2021.

Today, I own 8 boring businesses.

I take home $900k a year while working 20 hours a week.

& I can only do this because I have GMs that run the day-to-day operations.

--

Step 1: Pick a boring industry

• HVAC
• Plumbing
• Accounting
• Pest control
• Laundromats

Look for businesses with $100k+ cash flow that have been around 5+ years.

--

Step 2: Find deals on smbmarket(.com)

→ Filter: $100k+/yr cash flow
→ Filter: $500k+ asking price
→ Filter: 5+ years in business

Look for businesses where the owner is a boomer who’s retiring.

--

Step 3: Get an SBA 7(a) loan

→ Bring your W-2, tax returns, and a business plan
→ The bank finances 90% of the purchase
→ Find one investor on LinkedIn to cover the 10% down
→ Give them 10% equity

You now own a business for little to $0 out of pocket.

--

Step 4: Hire a GM to run day-to-day

→ $60k-$100k/year salary + performance bonuses
→ Don't change anything for 90 days
→ Then implement improvements (AI, social media, incentive schemes)

You work 10-20 hours/week as the owner, not the operator.

--

I have a free guide that walks through this entire process step-by-step…

→ How to find profitable businesses for sale
→ How to close your first deal in 12 months
→ How to determine financing structures
→ How to evaluate a deal in 30 minutes

If you want it, comment "Learn" and I'll DM you 🤝

I’m 35.

I own 8 businesses.

They pay me $900k per year.

Here’s exactly what I’d do if I were starting over today:

--

Step 1: Pick my industry.

I'd focus on niches people always need:

• Financial services
• ATM or Vending routes
• Service-based businesses

These survive recessions because they solve real problems.

--

Step 2: Build my target list.

I'd go to SMBmarket(.com) and filter for:

• $500k-$1M asking price
• $100k+ yearly cash flow
• 5+ years in business

Then I'd list 20-30 businesses that fit.

--

Step 3: Start calling owners.

For each business on my list…

I'd call the owner directly and ask:

• Why are you selling?
• How long have you owned it?
• Who runs day-to-day operations?

I want to make sure someone’s not running away from problems I don’t need.

--

Step 4: Get SBA pre-approved.

Before making any offers, I'd visit sba(.gov) and apply with a lender.

Banks I'd use:

• Live Oak Bank
• Truliant Bank
• Byline Bank

I'd bring:

• Tax returns
• 3 years of W-2s
• Personal financial statement

--

Step 5: Review the financials.

Once I find 3-5 solid businesses, I'd hire a CPA to audit the numbers.

I'd look for:

• Consistent revenue growth
• Stable profit margins
• No red flags

If the seller can't produce clean financials, I walk.

--

Step 6: Make my offer.

I'd calculate 2-4x the seller's yearly earnings.

Example:

• Business makes $200k/year
• I offer $400k-$800k

Then I negotiate from there.

The key is leaving enough room for profit after debt payments.

--

Step 7: Structure the deal.

Here's how I'd finance it:

• 80% SBA loan (from the bank)
• 10% seller financing (paid over time)
• 10% down payment (me or investor)

This means I could potentially buy a $1M business with just $100k down.

--

Step 8: Find my investor.

If I don't have $100k sitting around, I'd find a private investor to cover the down payment.

In return, I'd give them 10-15% equity.

On a business making $300k/year, they'd earn $45k annually.

That's a 45% return in year 1.

--

Step 9: Run the numbers.

Before closing, I'd use my deal calculator to verify the math works.

Example on a $1M business making $300k/year:

• Loan payments: $100k/year
• Investor share: $45k/year
• GM salary: $60k/year

I'd still pocket $95k/year.

--

Step 10: Close the deal.

Once everything checks out, I'd close.

Day 1 priorities:

• Review all systems
• Meet the entire team
• Confirm the GM stays (or hire one)
• Start implementing small improvements

The business should run without me within 90 days.

--

Step 11: Improve operations.

Most of these businesses are stuck in 1995.

I'd immediately:

• Build a website
• Set up social media accounts
• Optimize their pricing
• Implement better systems

Even small changes can increase cash flow by 10-20%.

--

If you want to learn the exact system I use to find, acquire, and scale boring businesses…

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

🍔 Shaq bought 155 Five Guys.
⚽️ Ryan Reynolds bought Wrexham FC.
☕️ Magic Johnson invested in 125 Starbucks.

But you don't need to be rich and famous to afford a boring business...

Here's how I copied their strategy (& make $900,000/year):

--

Famous athletes get exclusive access to the best investment opportunities.

But the truth is…

Regular people can acquire businesses and use the same strategy they do.

(For a lot cheaper than you think):

--

I’ve acquired 8 boring businesses (some using the bank’s money) that make me $900k/year.

1. SaaS
2. Nail Salon
3. Web Design
4. Accounting firm
5. Maritime upholstery
6. ATM
7. SaaS
8. Diligence Service

Here’s exactly how you can do the same:

--

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

2. Use a broker (or SMBmarket) 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 2-4x SDE (cash flow)

Example:
↳ If the seller took home $400k last year, you should make an offer of $900k.

--

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 who worked a corporate job like everyone else.

& even though I’m nowhere near these guys’ level…

I still own enough businesses to the point where I’m financially free.

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

--

If you want to learn how exactly I did it, so that you can do the same…

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

The internet is lying about how to get rich in 2026:

• Day Trading: 97% lose money
• Dropshipping: Terrible margins
• Coding: AI replacing everything

If you want to be financially free...

Here's where the top 1% are going all in:

--

Let me set the scene...

In the 1960s, Boomers started local mom & pop shops:

• Accounting firms
• Manufacturing plants
• Hardware/Supply stores
• Plumbing/HVAC companies

Everyone "forgets" about these old-fashioned businesses, but the truth is...

--

There are still millions of these mom & pop shops running today.

They've survived recessions and stood the test of time.

Most are more profitable than the "trendy" businesses on social media.

Just look at this:

--

I own an Accounting Firm that was established in the 90's.

I make $60k per year from it & I don't work there.

I didn't start this company (I'm 35), and I didn't inherit it from a family member.

So, how do I own this cash cow business?

--

Step 1.

I find retiring boomers selling their businesses on sites like:

• SMBmarket (my favorite)
• BizBuySell
• WithKumo

I look for businesses with at least $100k per year cash flow & a management team in place.

--

Step 2.

I check the P&Ls and financials.

I ensure that profit is stable year-on-year (ideally, it grows 5-10% a year).

I make sure I can buy it for 2-4x the annual cash flow.

(You can hire a CPA and give them equity to do this, so you can be extra diligent)

--

Step 3.

Show the P&Ls to the bank.

I go to a lender like Live Oak Bank or Truliant and show the financials.

I ask them for an SBA 7(a) loan to finance up to 90% of the business.

This is a government-backed loan, & if the business can cover the repayment…

You have a good chance to get qualified.

--

If your SBA covers 90%, you can either:

1. Pay the 10% down payment yourself.
2. Find an investor to pay it.

The business profits will cover the SBA repayment & you'll keep the rest.

You oversee the business while management runs day-to-day.

--

"But what if the business fails?"

These businesses have been established for years.

According to the SBA data, the chance of them failing is below 7%, and you'll mitigate this more by
having your management team run the operations for you.

--

Boomers are retiring every day, and if no one buys their small businesses...

They'll be shut down forever.

This is a bigger opportunity for long-term wealth than any "get rich quick scheme."

--

I own 8 businesses that pay me $900k a year.

I bought the first few when I worked in corporate, & now I only work 20 hours a week.

If you'd like to learn exactly how to buy your first business for little to $0 down...

DM me "SMB" & I’ll show you how.

If I had $25k to invest…

I wouldn’t buy stocks.
I wouldn’t buy real estate.
I wouldn’t even buy Bitcoin.

I’d do exactly what my clients at JP Morgan did.

I’ll expose it for you:

--

Step 1: Market Research.

Start with SMBMarket(dot)com.

It's the internet's most active business-for-sale marketplace.

You'll see terms like:

• Price (how much it is)
• Revenue (incoming cash)
• Cashflow (profit - expenses)
• Adjust the filters to your liking.

--

Step 2: Discover Your Type.

There are 1,000s of businesses to choose from.

Ask yourself:

• What businesses do I visit often?
• Which industries do I like?
• What has longevity?

And you aren't limited to one type either.

--

Step 3: Determine Your Goal.

Every investor is different.

If you want a more "hands-on" experience, something like a parking lot might not be for you.

Determine what you're looking for.

Then get after it.

--

Step 4: Set Your Financing.

Let's figure out your acquisition strategy.

These questions will help:

• Are you buying outright?
• Do you need a bank to finance?
• Are you bringing an investor with you?

I like to structure deals with SBA 7(a) loans, seller financing, and investors.

--

Step 5: Start Making Calls.

The more calls, the merrier.

Steal these tips:

• Jot down as many notes as you can
• Know that you have the power
• Forget about the emotions

I promise this will ease the process.

--

Step 6: Make An Offer.

Now, you MUST look at the last 3 years of "owner's total profit" (SDE).

Multiply the average by 2x-4x (deal dependent).

• Round down
• Make your offer
• Negotiate and wait

Practice expectation management.

--

Step 7: Structure The Purchase.

When it makes sense, I like to do these deals with little to $0 out of pocket.

(Yes, it is possible, but not easy).

Find an investor willing to put up the down payment and give them more equity in return.

The extra cash flow will cover you.

--

Step 8: Do Your Due Diligence.

This is the most important part because you haven't actually closed yet.

Make sure you:

• Hire an accountant
• Talk to the employees
• Find a like-minded owner
• Check out their social media

Do NOT get lazy here, this is vital.

--

Step 9: Create a Post-Close Plan.

The first 3 months of ownership will set the tone for your success (this is huge).

You'll need:

• Insurance
• Email access
• Website control
• Employee contracts
• Social media accounts

Just to name a few things…

--

Step 10: Close the Deal.

Congratulations.

You've done the due diligence.
You've done the research.
You've done the work.

Your generational wealth journey has begun…

--

Want to learn how I buy profitable businesses using other people's money?

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

If you and your partner make $150k a year from your W-2s, you lose roughly $27,000 in taxes.

But there's a loophole most corporate employees don't know about.

Here's how to lower your tax bill by $1,000s (legally):

--

At JP Morgan, I was stuck in what I call "the high earner tax trap."

The more I made, the more they took.

& there was nothing I could do (W-2 income is taxed first, spent second).

Business owners do it backwards.

--

When you own a business, you can deduct expenses before calculating what you owe.

That's the entire game.

Spend on legitimate business expenses → Lower your taxable income → Pay less in taxes

It's completely legal…

& the IRS actually encourages it.

--

Here's how this works in practice:

When you're acquiring a business, you travel to meet sellers, hire accountants for due diligence, and bring in industry
professionals to audit deals.

Every single dollar?

Tax-deductible.

--

But it gets better…

Let's say you buy a car wash for $1M.

It comes with $300,000 in equipment.

You can write off a huge portion of that equipment value in Year 1 through accelerated depreciation.

--

Other deductions most people miss:

• Your home office
• Conferences/Education
• Health insurance premiums
• Business meals with partners
• Professional services (CPAs, etc)

All legitimate. All deductible.

--

The wealthy know this.

That's why they own actual businesses (instead of just collecting paychecks).

The tax code is written to reward business owners and investors.

Not W-2 employees.

--

Now, I'm not saying quit your job tomorrow.

But I am saying there's a reason I went from paying $26k in taxes on $144k of income...

To structuring my $900k/year through multiple LLCs with way better tax treatment.

The system rewards ownership.

--

Disclaimer: This is not financial or tax advice. Consult with a qualified CPA who specializes in business acquisitions before making any decisions.

If you want to learn how to acquire your first business and start playing by different rules…

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

The best way to leave your 9-5 by the end of this year:

Buy a boring business.

You'll replace your salary, build real equity, & work half the hours.

Here's the exact system I use to make $900k/year:

--

A boring business owner does 2 things:

1. Collects cash flow
2. Builds equity

Cash flow replaces your salary from day one.

Equity grows every year you hold it.

Together, your net worth moves in a way a paycheck simply can't replicate.

--

1. Start with the right business.

• 2–4x SDE multiple
• $500k–$1M price range
• $10k+/month in cash flow
• At least 5 years in operation

You're not hunting for a unicorn.

You're buying something that’s simple, profitable, and already running.

--

2. Hire a GM.

If there’s already one in place, great.

If not? Find one yourself.

Your job isn't to run the day-to-day.

20 hours a week is enough to own a business the right way.

--

3. Let other people's money cover the deal.

3 tools cover almost every acquisition:

1. SBA loan for 80–90% of the purchase
2. Investor covers the last 10% for 15% equity
3. Seller financing fills any gaps

Stack them right, and you can close a $1M business with little to $0 out of pocket.

--

Before every deal, pause for 30 seconds and ask yourself one question:

“Am I buying a business, or buying myself a job?”

If a GM can run it without you, make the offer.

If you'd still be running it day-to-day, walk away.

--

4. Keep sourcing deals every single week.

This is the piece most people sacrifice first when life gets busy.

Deal flow is how you find the good ones and walk away from the bad ones.

Without it, you're stuck saying yes to whatever crosses your desk.

No acquisition strategy survives without a solid pipeline.

--

5. Get through the first 6 months.

Setting the right standards is essential:

• 20+ listings reviewed each week
• At least 1 offer submitted each month
• 3+ conversations with brokers or sellers

Remember, consistency is everything.

--

By month 12, here's what changes:

• Your cash flow replaces your salary
• Your GM runs the business without you
• You're already hunting for your second deal

You finally have control over your time…

--

The more cash flow you collect, the faster you can fund the next acquisition.

The more businesses you own, the more equity stacks up underneath you.

That's why buying a business breeds a life that a salary simply can’t.

--

This is the same exact system I use to help other W2 professionals build their way out of corporate.

Your first deal is closer than it feels.

12 months is enough to change your entire life.

DM me "Biz" and I'll walk you through the details on how to do this yourself.

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.