When the owner steps back, who keeps customers, makes decisions and delivers the work? Don McClain's new article connects owner dependence with transferable business value and financeability. Map the owner's responsibilities, support compensation adjustments and include realistic replacement costs. Review customer concentration, contracts, delegated authority and financial records. A current owner's financing request and a buyer's acquisition require different operating assumptions. There is no universal owner-dependence discount or guaranteed loan outcome. Alianza Partners helps owners and buyers prepare for business sales, acquisitions and transitions. Start with a non-confidential overview; legal, tax, valuation and lender review remain transaction-specific.
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