Skip to main content
Insights & Resources

Transferability Blog

Expert articles on building transferable businesses, exit planning, SBA lending, and the Transferability Score™.

Newsletter

Get the Transferability Newsletter

Practical playbooks on building a transferable business, exit planning, SBA lending, and the deals that close. One email a week. No fluff.

Unsubscribe any time. We never sell or share your email.

Mileage tracking app used for business tax deductions

2026 Business Mileage Deduction: New IRS Rate Explained

If you drive a vehicle for business, there’s a meaningful update for tax year 2026 you need on your radar. The IRS has just raised the standard mileage rate for business use to 72.5 cents per mile, up from 70 cents last year. This change affects how you calculate your mileage deduction and employee reimbursements [...]

January 5, 2026
2ba57c5a369e75ece6b6dbf9493f303ab2f8b7a331cede1c22a6629dfe48f2a6.png
Business Tips

Unlock More: Higher SBA Caps Could Open Bigger Buying Power

A Quiet Policy Shift With Massive Consequences Congress is pushing a proposal that would double the SBA loan limit for manufacturing businesses from roughly $5–5.5 million to $10 million. Inc. confirms this proposal is tied to rising bankruptcies and the urgent need to support U.S. manufacturers. (External link: https://www.inc.com/melissa-angell/congress-wants-to-double-sba-loan-limits-as-small-business-bankruptcies-hit-record-high/91273233) If this passes, it will instantly change the landscape for buyers, [...]

December 3, 2025
Vintage illustrated red bus next to bold text asking if $1000 is enough to start a business, emphasizing choosing a path instead of a product

The $1,000 Path That Builds Real Momentum

Your first thousand bucks won’t build a full business. It will build clarity. Most people blow small budgets on logos, tools, and subscriptions they never use. The smarter move is to treat the money as fuel for proof. When you choose a path instead of a product, the dollars stretch further and move faster. Why [...]

November 20, 2025
Split-scene image showing a person with an empty wallet at a cluttered desk on the left and confidently knocking on a local business’s door with a service offer on the right, symbolizing taking action despite being broke.

How to Start a Business With No Money

Being broke isn’t a disadvantage. It’s an advantage. You have less to lose, fewer bad habits to unlearn, and more urgency to move. Most small businesses don’t fail because they start small. They fail because they start heavy. When you strip the startup game down to the essentials, you realize you don’t need capital. You [...]

November 19, 2025
99814F0C-3F81-4D80-8618-4437453D4417.png

Why Most Startups Fail (And What It Says About You)

Most Businesses Don’t Fail. The Owner Does. People love quoting the stat that 95 percent of startups fail. It makes failure feel inevitable, like a storm you can’t avoid. Yet that number hides the real truth. Startups don’t die because the idea was bad. They die because the owner wasn’t ready for the emotional load [...]

November 18, 2025
Entrepreneur standing at a simple desk with floating skill icons showing how to start a business with no money
Business Tips

Start a Business With No Money the Real Way

This is Week 1 of the “Start With No Money” series. Today is Day 1: How do you start a business with no money? TLDR You don’t need capital to start. You need movement, skills you already have, and a simple way to turn those skills into money fast. Week 1 of the “Start With No Money” series [...]

November 17, 2025
Graphic of a secure AI compute enclave showing privacy-protected data processing.

Google’s New “Private AI Compute” Changes the Game for Business Owners

Google just rolled out Private AI Compute, a system that finally solves the biggest complaint business owners have had about AI: “I want the power of cloud AI without handing over my data.” This matters more than any new feature Google has released this year — not because of Pixel phones, but because it signals a [...]

November 13, 2025
AB066758-C048-4A0A-8D70-1A2909A1A886.png
Business Tips

Acquisition Not Start-Up: Ken Massey’s Leap Into Ownership

Why one man stopped chasing start-up glory and bought his way into freedom. The Myth of the Start-Up Hero We glorify the start-up grind — late nights, ramen budgets, and “build it from nothing” stories that sound heroic but usually end in burnout. What rarely makes the headlines are the quiet entrepreneurs who skip the [...]

November 8, 2025
Small business owner reviewing health-care costs and financial documents, representing how ACA tax credits impact business valuation and sales
Business Tips

How One Policy Could Wreck Your Business Sale

TL;DR: A new national survey shows that 87% of small business owners want Affordable Care Act (ACA) tax credits made permanent, and 84% say losing them would cause severe financial strain. Health-care costs are one of the most overlooked levers in small business valuation, exit planning, and acquisition strategy. Buyers and sellers who get ahead [...]

November 3, 2025
Silver tsunami wave made of small businesses approaching a buyer.

Why Trump’s “One Big Beautiful Bill” Could Turn Your Future Exit Into a $15 Million Tax-Free Opportunity

Thinking about selling your business in the next few years? The One Big Beautiful Bill Act could make your exit far more profitable — if you understand how to position yourself for it. The new law expands one of the most overlooked wealth-building tools in entrepreneurship: Qualified Small Business Stock (QSBS). And while most small-business [...]

October 31, 2025
B40D3E23-EA23-4BA6-BAAF-7153E88ED4B8.png

Confidence Is Rising—But So Is Risk: Where Smart Owners Stay in the Healthy Zone

New data shows record optimism among small businesses—but unchecked leverage could turn that confidence into collapse. TL;DR Small business confidence is surging — 93% of owners expect growth in 2025 — but three-quarters are turning to fintechs and alternative lenders instead of banks. This dual trend is both opportunity and warning: optimism fuels deal flow [...]

October 22, 2025
Promotional graphic introducing ChatGPT Atlas, OpenAI’s new AI-powered web browser. The design features the ChatGPT logo, the headline ‘ChatGPT Atlas: The Browser That Thinks With You,’ and a mock browser window showing an ‘Ask ChatGPT’ sidebar for real-time assistance, all on a clean teal background.

🚀 ChatGPT Atlas: The Browser That Thinks With You

Published on BusinessOwner.com The way we use the internet just changed—again. OpenAI has officially launched ChatGPT Atlas, a web browser powered by artificial intelligence that doesn’t just showyou the internet—it thinks with you. What Is ChatGPT Atlas? Atlas is OpenAI’s new AI-powered browser, announced October 21, 2025 (OpenAI Blog; The Verge; TechCrunch). Think of it as ChatGPT fused directly into your [...]

October 21, 2025
Silver tsunami wave made of small businesses approaching a buyer.

The $3 Trillion Silver Tsunami: What It Means for First-Time Business Buyers

TL;DR Over the next 10–15 years, a massive transfer of business ownership is underway as Baby Boomer entrepreneurs retire. Roughly 70% of privately held businesses may change hands, representing trillions in value. Yet the majority of these owners lack formal exit plans and are unprepared for clean transitions. For first-time buyers, this presents a rare [...]

September 24, 2025
BizBuySell Q2 2025: Buyers Regain Leverage

BizBuySell Q2 2025: Buyers Regain Leverage

TL;DR — BizBuySell Q2 2025 (Buyer Leverage Returns) The business‑for‑sale market cooled slightly in Q2 2025. According to BizBuySell’s Insight Report, transactions fell 4% year‑over‑year while sale prices dropped and buyers shifted toward less expensive deals . Here’s why conditions are improving for prepared buyers, and how to respond. Market Highlights Why Buyers Have the Upper Hand How [...]

September 12, 2025
iPhone 17 Launch: Thin Tech, Thick Business Benefits
Technology

iPhone 17 Launch: Thin Tech, Thick Business Benefits

Apple unveiled its iPhone 17 lineup—and a game-changing new iPhone Air—on September 9, 2025. These aren’t just sleeker gadgets. For business owners building real equity, this hardware represents tools you can leverage today to manage, market, and scale smarter. Let’s break down what matters for ownership, not just hype. 1. Ultra-Slim iPhone Air = Portable Power, [...]

September 10, 2025
Urgent Sales? How to Close Deals in 72 Hours

Urgent Sales? How to Close Deals in 72 Hours

TL;DR – What You Need Fast “I Only Have 72 Hours — What Do I Do?” You’re on Reddit r/smallbusiness and someone posted: “72 hours—or six sales—or my business tanks.” You’ve been there. They tried Facebook groups, DMs, maybe even ads—but still stuck. That grinding sense of “I need revenue now,” while juggling marketing, legal, [...]

September 10, 2025
8a02cc5d3fd810b212d171d62b47f0a783602cdac32c8daea4054544d9804633.png

SBA Rolls Out MARC Loans: A Real Option for Scaling Manufacturers

Simplified, flexible working capital for small manufacturers starts October 1, 2025. What’s the deal? The SBA just unveiled the Manufacturer’s Access to Revolving Credit (MARC) loan—its first-ever 7(a) product exclusively for small manufacturers, effective October 1, 2025. TL;DR: The SBA is launching MARC loans on October 1, 2025, giving small manufacturers up to $5M in revolving or term credit for working capital, inventory, and [...]

September 8, 2025
Self-employed owner in their own business

Job Security vs Self-Employment: The Hard Truth

Most people cling to a paycheck thinking it’s safer. Reality check: the only thing safer might be complacency. We’ll cut through myths, unpack the data, and challenge you to consider ownership—with resources you can actually trust, like BusinessOwner.com. Why “A Job Is Safe” Is a Risky Bet Bottom line: Safety in a traditional job is a [...]

August 29, 2025
10 Questions to Ask Before Buying a Business

10 Questions to Ask Before Buying a Business

The U.S. Small Business Administration reminds buyers: “Always request at least three years of financial statements and tax returns. If sellers hesitate, it may indicate deeper issues you’ll want to uncover before proceeding.” (Source: SBA.gov Buying a Business Guide)

August 28, 2025
“Vector illustration of a smiling older business owner handing over keys and documents to a younger buyer in a suit. A large ‘Business Sold’ sign is displayed in the background, with the BusinessOwner.com logo in the corner.”

How to Find Off-Market Businesses

7 Deal Sourcing Systems Q: Why not rely on BizBuySell alone? A: Because the best opportunities rarely hit public listing sites. Owners often prefer a quiet, relationship-driven transition. At BusinessOwner.com, we see it every day: the deals worth doing are found through private networks, not just public ads. 1) Trusted Advisor Networks Q: Who already knows which [...]

August 25, 2025
Bold YouTube thumbnail with blue and yellow background. Large white and black text reads: ‘HOW TO FIND BUSINESSES FOR SALE BEFORE THEY HIT BIZBUYSELL (7 DEAL SOURCING HACKS)

How to Find Businesses for Sale BEFORE They Hit BizBuySell (7 Deal Sourcing Hacks)

Here’s how to think about sourcing deals beyond BizBuySell and other listing sites. The best opportunities rarely make it to those marketplaces — they’re usually found through relationships, triggers, and direct outreach. Break it into buckets: 1. Trusted Advisor Networks • CPAs & Accountants – They know when clients are struggling, retiring, or looking to exit. [...]

August 22, 2025
business tips for when clients misbehave
Business Tips

How to Protect Your Business from Clients Who Ghost, Flake, or Screw You

What to Do When a Client Tries to Stiff You After the Job’s Done Lessons from a Reddit cleaner who got underpaid—and how BusinessOwner.com could’ve prevented the whole mess. It’s a familiar story… You say yes to a last-minute cleaning job. You buy the supplies. You show up on time. You knock out the work. [...]

August 22, 2025
1640305cf37f9bd1cb78e00f99c8f10a1dc4620a3ea8b309ecb03c736f5c309b.png

3 Things I Wish I Knew Before Buying a Business

Buying a business is one of the smartest paths to ownership and wealth. But it’s also one of the easiest ways to lose money if you don’t know what you’re really looking at. I’ve bought and sold more than a dozen businesses—some successful, some painful lessons—and there are three truths I wish someone had told [...]

August 21, 2025
Why Now Is the Best Time in History to Buy a Business (Not Start One)

Why Now Is the Best Time in History to Buy a Business (Not Start One)

If you’re thinking about starting a business right now—pause. Because you might be about to work ten times harder for half the reward. We’re living through a once-in-a-generation shift in ownership. The greatest transfer of small businesses in U.S. history is already underway… and most people still haven’t noticed. Here’s what’s happening—and why it makes [...]

August 20, 2025