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Buying & Selling a Business questions, explained.

1000 plain-language Q&As about Ontario business purchase and sale. Browse below, or search the whole library.

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Buying & Selling a BusinessUpdated August 2026

Does buying a unionized business mean I inherit the current collective agreement's exact terms?

Generally, yes, if Ontario labour relations law's successor-rights provisions apply to your transaction. Where you're found to be continuing…

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Buying & Selling a BusinessUpdated August 2026

Does buying just enough shares to get control change what I'm exposed to?

Buying enough shares for control — generally just over half, though the exact threshold can depend on the corporation's own governing documents —…

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Buying & Selling a BusinessUpdated August 2026

Does buying the business reset an employee's eligibility for a pension they were vesting into?

It depends heavily on your deal structure and on the specific pension plan's own terms, which govern vesting more directly than any general rule about…

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Buying & Selling a BusinessUpdated August 2026

Does buying the business change who's responsible for an ongoing WSIB appeal?

In a share purchase, generally no — the appeal continues as an ongoing matter connected to the same corporate account and employer, and you, as the new…

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Buying & Selling a BusinessUpdated August 2026

Does it matter for liability whether a carve-out happens before or after the sale actually closes?

Yes, considerably. A carve-out completed before closing means the unwanted asset or liability is already out of the target corporation by the time you…

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Buying & Selling a BusinessUpdated August 2026

Does closing waive a buyer's right to complain about something they should have caught earlier?

Not automatically, but it can, and whether it does depends heavily on what the agreement says, particularly its sandbagging position and its survival…

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Buying & Selling a BusinessUpdated August 2026

Does 'commercially reasonable efforts' mean a party has to do everything possible to satisfy a condition?

No — "commercially reasonable efforts" is a real, meaningful standard, but it's deliberately less demanding than an absolute obligation to do literally…

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Buying & Selling a BusinessUpdated August 2026

Does continuity of service reset if I structure the deal as an asset purchase instead of shares?

Not automatically, and this is one of the most commonly misunderstood parts of buying a business. Structuring a deal as an asset purchase changes the…

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Buying & Selling a BusinessUpdated August 2026

Does the structure I choose affect whether I can walk away if something goes wrong later?

Yes, quite a bit. An outright asset purchase or a full share purchase, completed in one clean transaction, generally leaves you owning what you own…

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Buying & Selling a BusinessUpdated August 2026

Does it matter whether employees were told about the sale before or after I took over?

It doesn't change statutory continuity of employment, which turns on whether you hired the seller's employees as part of a going-concern sale within…

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Buying & Selling a BusinessUpdated August 2026

Does disclosing something in general terms protect a seller as much as disclosing it specifically?

No, and this is worth understanding as a general principle of how disclosure functions across the whole agreement, not just in the context of a single…

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Buying & Selling a BusinessUpdated August 2026

Does an agreement's governing law clause actually matter if both parties are in Ontario anyway?

Yes, even though it might seem like an unnecessary formality when both sides are already Ontario businesses. A governing law clause states which…

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Buying & Selling a BusinessUpdated August 2026

Does the way I've been paying myself affect what a buyer thinks the business earns?

Yes, significantly. Buyers and valuators typically look past your reported profit to what's called normalized or adjusted earnings, which includes…

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Buying & Selling a BusinessUpdated August 2026

Does a hybrid structure actually protect me from liabilities I don't know about yet?

Only partially, and it's important to be clear about exactly which part. A hybrid deal generally gives you asset-purchase-level protection for…

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Buying & Selling a BusinessUpdated August 2026

Does my indemnity cap shrink with each claim I make, or is it a fresh limit every time?

Normally the cap shrinks with each successful claim rather than resetting, because it is typically drafted as a single aggregate ceiling on the…

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Buying & Selling a BusinessUpdated August 2026

Does it matter to my price if my competitors are also quietly for sale right now?

It can, mainly through its effect on buyer choice rather than any change to your business itself. If serious buyers know, or come to learn, that…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if the buyer is a competitor when deciding what to share early on?

Yes, significantly. A buyer who's also a competitor, or could become one, has a different set of incentives than a purely financial buyer — even a…

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Buying & Selling a BusinessUpdated August 2026

Does it matter which specific assets I list versus just buying 'the business' generally?

Yes, and this is one of the more consequential drafting details in an asset purchase. An asset purchase agreement works by listing exactly what's…

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Buying & Selling a BusinessUpdated August 2026

Does it matter who drafts the disclosure schedules, the buyer's lawyer or the seller's?

Yes, quite a bit, even though the schedules are ultimately meant to reflect facts about the seller's business rather than being a negotiated position…

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Buying & Selling a BusinessUpdated August 2026

Does it matter who I tell first when I decide to start selling my business?

Yes, it genuinely matters, both legally and practically. If you have a shareholders' agreement, a spouse with an ownership or financial interest, or…

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Buying & Selling a BusinessUpdated August 2026

Does it matter whether a condition is for the buyer's benefit or the seller's benefit?

Yes, considerably — whose benefit a closing condition exists for determines who can waive it, who can rely on its failure to avoid closing, and who has…

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Buying & Selling a BusinessUpdated August 2026

Does 'to the seller's knowledge' protect a seller who just never bothered to check?

It depends on exactly how the knowledge qualifier is worded, and this is precisely the drafting fight that separates a strong knowledge qualifier from…

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Buying & Selling a BusinessUpdated August 2026

Does it hurt my price if I've never formalized my processes anywhere?

It can, mainly because undocumented processes are a close cousin of owner dependency — if the way the business actually runs exists only in your head…

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Buying & Selling a BusinessUpdated August 2026

Does my landlord's attitude toward assignment affect what buyers think my business is worth?

Yes, often significantly, because if the business operates from a leased location, a buyer needs confidence that the lease can actually transfer to…

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Buying & Selling a BusinessUpdated August 2026

Does a pending lease renewal uncertainty drag down what buyers will offer?

Yes, generally, because the lease is often central to whether the business can keep operating where it currently does, and uncertainty about renewal…

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Buying & Selling a BusinessUpdated August 2026

Does the clock for suing restart if I only discover a second, separate problem later?

Not in the sense of reviving an old, already-expired claim, but a genuinely new problem generally does start its own fresh clock. Each distinct claim…

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Buying & Selling a BusinessUpdated August 2026

Does an LOI protect me if the buyer never actually intended to close?

Only partly. An LOI can't force a buyer to close, since the core deal terms are typically non-binding on both sides — that's true whether the buyer's…

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Buying & Selling a BusinessUpdated August 2026

Does losing one big customer right before listing tank my price?

It can meaningfully affect price, though "tank" is usually too strong unless that customer represented an outsized share of your revenue. Losing a…

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Buying & Selling a BusinessUpdated August 2026

Does 'material' mean something specific in a purchase agreement, or is it just a general word?

"Material" isn't a fixed legal number — it's a qualifying word meant to filter out trivial issues from ones significant enough to actually matter to…

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Buying & Selling a BusinessUpdated August 2026

Does an NDA actually stop a buyer from using my ideas even if they never buy?

Only if it's drafted to, and this is a distinction many sellers miss. An NDA focused solely on non-disclosure stops a buyer from telling others what…

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Buying & Selling a BusinessUpdated August 2026

Does using a newco to buy assets protect the seller as much as it protects me?

Not really, and it's worth understanding why the benefit runs mostly one way. A newco used as the buyer mainly protects the buyer — isolating this…

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Buying & Selling a BusinessUpdated August 2026

Does a no-litigation condition get triggered by a frivolous lawsuit filed at the last minute?

Usually not, if the condition is drafted with any real precision — a well-drafted no-litigation closing condition typically requires more than the bare…

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Buying & Selling a BusinessUpdated August 2026

Does a non-binding LOI still protect confidential terms I shared to negotiate it?

Only if the LOI, or a separate agreement, actually contains a confidentiality provision — being "non-binding" on price and deal structure doesn't…

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Buying & Selling a BusinessUpdated August 2026

Does owning outdated equipment actually lower my price, or just complicate the deal?

Often both, though in different ways. On price, outdated equipment can lower what a buyer is willing to pay if replacing or upgrading it is something…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if I paid an inflated amount for the business myself years ago?

Generally, no — what you originally paid for the business has little bearing on what it's worth today, and buyers value the business based on its…

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Buying & Selling a BusinessUpdated August 2026

Does it hurt my asking price if the business can't run without me?

Generally, yes — buyers price in the risk that the business's performance depends on you personally, since that risk becomes theirs the moment you…

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Buying & Selling a BusinessUpdated August 2026

Does owning my building change how a buyer values the operating business inside it?

Yes, and it's important to separate the two in your own mind before you talk to a buyer. Most buyers will value the operating business — its earnings,…

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Buying & Selling a BusinessUpdated August 2026

Does relying on a single patent or trademark make buyers pay less for my business?

It depends heavily on how strong and well-protected that single asset actually is, more than the fact that there's only one of it. A single patent or…

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Buying & Selling a BusinessUpdated August 2026

Does depending on one key supplier hurt my asking price the way customer concentration does?

Yes, generally for a similar reason — a buyer is being asked to rely on a relationship they don't control and didn't negotiate, and if that single…

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Buying & Selling a BusinessUpdated August 2026

Does an employee's seniority for layoff purposes carry over if I buy just the assets?

Generally, yes, if the employee is hired as part of a going-concern asset purchase and continuity of employment applies under the Employment Standards…

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Buying & Selling a BusinessUpdated August 2026

Does signing an LOI stop me from negotiating better terms later?

Not on the terms themselves, generally. Because price and structure are typically non-binding in a business-sale LOI, signing one doesn't usually…

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Buying & Selling a BusinessUpdated August 2026

Does splitting a deal into asset and share components make closing more complicated?

Generally, yes, and it's worth going in with that expectation rather than being surprised by it. A split deal usually means two sets of purchase…

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Buying & Selling a BusinessUpdated August 2026

Does the WSIB experience rating I inherit affect what I pay going forward?

It can, particularly in a share purchase, where the corporation's existing WSIB account, including its claims history and any resulting experience…

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Buying & Selling a BusinessUpdated August 2026

Does undocumented cash income actually help or hurt what a buyer is willing to pay?

In almost every practical sense, it hurts. Even if undocumented cash income is real, a buyer can only pay for earnings they can verify and rely on, and…

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Buying & Selling a BusinessUpdated August 2026

Can I be double-taxed if my corporation sells its assets and then I take the money out personally?

Yes, this is the classic downside of an asset sale compared to a share sale, and it's a big part of why the choice between the two structures matters…

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Buying & Selling a BusinessUpdated August 2026

What happens if due diligence reveals inventory that's actually obsolete or unsellable?

This is exactly the kind of finding a proper due diligence process is designed to catch, and how it's handled depends on when you find it. If it…

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Buying & Selling a BusinessUpdated August 2026

What happens if due diligence reveals the seller has been sued by former customers?

It depends on the deal structure and whether the claims are resolved or ongoing. In a share sale, past and pending litigation against the corporation…

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Buying & Selling a BusinessUpdated August 2026

What happens if due diligence turns up debts the seller swears they've already paid off?

This comes up often, and it's usually a paperwork gap rather than a sign the seller is being dishonest: a debt that's genuinely been paid off can still…

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Buying & Selling a BusinessUpdated August 2026

Do I have to try to fix a problem myself before I can sue the seller over it?

Not exactly "fix it yourself first," but Ontario law does generally expect someone who has suffered a loss to take reasonable steps to limit, or…

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Buying & Selling a BusinessUpdated August 2026

Can an earn-out be based on something other than revenue, like customer retention?

Yes. An earn-out can be tied to essentially any metric the buyer and seller agree genuinely reflects the business's post-closing success, and revenue…

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Buying & Selling a BusinessUpdated August 2026

Does an earn-out calculation get checked by an independent accountant, or do buyer and seller work it out themselves?

It depends entirely on what the purchase agreement's dispute-resolution mechanism actually says, since there is no automatic requirement for an…

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Buying & Selling a BusinessUpdated August 2026

Does an earn-out obligation transfer if I resell the business during the earn-out period?

Not automatically. An earn-out obligation is a personal contractual commitment the original buyer made to the original seller, and reselling the…

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Buying & Selling a BusinessUpdated August 2026

What happens if the business underperforms during an earn-out period?

If the underperformance is genuine, reflecting real market conditions or ordinary business risk rather than anything improper the buyer did, the seller…

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Buying & Selling a BusinessUpdated August 2026

What happens if my own employee finds out I'm selling before I'm ready to tell them?

There's no specific legal consequence to you as the owner just because an employee finds out earlier than planned — this is a practical and morale…

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Buying & Selling a BusinessUpdated August 2026

What happens to employees' pay if closing happens partway through a pay period?

This depends on the deal's structure. In a share sale, the employer entity itself doesn't change — the corporation just has new owners — so payroll…

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Buying & Selling a BusinessUpdated August 2026

Do employees automatically lose their jobs when a business goes into receivership, or do I still have to deal with them?

Receivership itself doesn't automatically end every employee's job — but in practice, a receiver often does lay off some or all staff, depending on…

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Buying & Selling a BusinessUpdated August 2026

Can I claim against the seller if employees quit en masse right after the sale over unpaid wages?

This raises two separate issues worth untangling. First, whether wages were actually properly paid up to closing is a factual and structural question —…

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Buying & Selling a BusinessUpdated August 2026

Can employees sue me personally if the distressed business I bought owed them wages?

Generally, no, if you purchased only specific assets from a receiver or trustee and didn't take on unpaid wages as an expressly assumed liability.…

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Buying & Selling a BusinessUpdated August 2026

Is it enforceable if an LOI says the price 'is subject to due diligence'?

This kind of language is common, and it generally reinforces rather than undermines the usual non-binding nature of price in an LOI for a business…

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Buying & Selling a BusinessUpdated August 2026

What happens to environmental liability if I structure the deal as a share purchase instead of assets?

In a share purchase, environmental liability tied to the corporation — contamination on land it owns or operates, or outstanding regulatory obligations…

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Buying & Selling a BusinessUpdated August 2026

Can I find out whether a business's equipment actually complies with current safety codes?

This generally requires an actual physical inspection rather than a records search, since equipment compliance with current safety codes isn't the kind…

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Buying & Selling a BusinessUpdated August 2026

What happens if the business's equipment turns out to be broken or missing after I take over?

Whether this supports a claim depends on what the purchase agreement actually said about the equipment's condition and existence. If the seller…

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Buying & Selling a BusinessUpdated August 2026

What happens if the business I'm buying out of receivership still owes money on equipment leases?

In a typical asset purchase, unpaid amounts owing on the seller's existing equipment leases are a liability of the seller or the insolvent estate, not…

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Buying & Selling a BusinessUpdated August 2026

What happens if I discover after closing that a key piece of equipment was actually leased, not owned?

If the purchase agreement represented that the seller owned this equipment outright, or listed it among owned assets in the disclosure schedule, and it…

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Buying & Selling a BusinessUpdated August 2026

What happens to an escrow holdback if neither side agrees a claim against it is valid?

The disputed funds generally stay put with the escrow agent, often a law firm or trust company, until the disagreement is resolved through whatever…

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Buying & Selling a BusinessUpdated August 2026

What happens to my lease's exclusivity clause protecting me from competitors when I sell the business?

An exclusivity clause — a lease term preventing the landlord from leasing other space in the same plaza or building to a competing business — is a…

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Buying & Selling a BusinessUpdated August 2026

Can I explore selling even if I'm not sure I actually want to go through with it?

Yes — exploring a sale while genuinely undecided is not just permitted, it's how most sales actually start. There's no legal threshold you need to…

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Buying & Selling a BusinessUpdated August 2026

Can I ask for extra time on closing day if my lawyer finds a last-minute problem?

Yes, and this is common practice rather than something unusual to request. Parties can agree to extend the closing time or date, and a purchase…

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Buying & Selling a BusinessUpdated August 2026

What happens if I sell to family and then we have a falling out during the transition period?

What happens depends heavily on what the purchase agreement actually says about the transition. Many business sales include transition or consulting…

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Buying & Selling a BusinessUpdated August 2026

Can I tell if a seller's family members are being paid for work they don't actually do?

It takes a closer look than a general payroll summary usually provides, since "family member on payroll" isn't inherently improper — plenty of small…

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Buying & Selling a BusinessUpdated August 2026

What happens to a family business sale if one of my children was never actually involved in running it?

There's no legal requirement that a child be involved in the business before buying or inheriting it, but practical and family issues tend to surface…

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Buying & Selling a BusinessUpdated August 2026

Does a family sale still need a written purchase agreement, or can it just be a handshake?

A written purchase agreement is strongly advisable even within a family, and treating a business sale as a handshake deal creates real risk for both…

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Buying & Selling a BusinessUpdated August 2026

Can a family trust holding my shares still qualify for the capital gains exemption on a sale?

Yes, a family trust can hold qualifying shares and still allow access to the exemption, but the mechanics work a bit differently than for an individual…

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Buying & Selling a BusinessUpdated August 2026

Can I finance my child's purchase of the business myself instead of using a bank?

Yes, seller financing is common in Ontario business sales generally, family or not, and it works the same way here. It's typically structured as a…

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Buying & Selling a BusinessUpdated August 2026

Can I finance a partner buyout using a bank loan the same way I'd finance buying a whole business?

Yes, bank financing is a normal way to fund a partner buyout, and lenders generally look at it similarly to financing any share purchase. They'll want…

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Buying & Selling a BusinessUpdated August 2026

Can I finance part of the purchase using equipment I'm buying as part of the deal?

Yes. Equipment being acquired as part of a business purchase can itself serve as collateral for financing that specific portion of the price, working…

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Buying & Selling a BusinessUpdated August 2026

How do I find a business for sale that isn't publicly listed anywhere?

Unlisted, or "off-market," businesses are usually found through direct relationships rather than a public search: industry associations, trade…

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Buying & Selling a BusinessUpdated August 2026

Can I still find a business to buy through my own industry contacts instead of a broker?

Yes — there's no requirement to go through a broker to buy a business, and industry contacts are actually one of the most common ways serious buyers…

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Buying & Selling a BusinessUpdated August 2026

Can I find out about a lawsuit against the business that hasn't been served yet?

It's genuinely difficult, and this is one of the real limits of due diligence rather than a gap you can simply search your way around. Court filing…

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Buying & Selling a BusinessUpdated August 2026

Can I find out if a business has any undisclosed guarantees backing someone else's debt?

It's genuinely difficult to uncover through a standard search, and this is one of the trickier gaps in business due diligence. A guarantee — where the…

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Buying & Selling a BusinessUpdated August 2026

Can I find out if a business has any unresolved disputes with the CRA beyond just unpaid amounts?

This is harder to uncover through a public search than a simple unpaid-tax-debt check, since ongoing disputes with the Canada Revenue Agency — an…

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Buying & Selling a BusinessUpdated August 2026

Can I find out if the business owes money under a government loan or subsidy program?

It's worth asking directly and reviewing carefully, since government loans and subsidy programs don't always show up on a standard corporate or lien…

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Buying & Selling a BusinessUpdated August 2026

What happens if I find out the seller has been personally sued over the business?

It's worth understanding exactly what the claim is about and against whom, since this affects both risk assessment and deal structure. A claim against…

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Buying & Selling a BusinessUpdated August 2026

Do I need to fix HR problems before I even start planning a sale?

It's worth addressing significant HR problems before a sale, though "before you even start planning" is earlier than strictly necessary — you can begin…

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Buying & Selling a BusinessUpdated August 2026

Should I fix my messy contracts before I even think about selling?

Generally yes, and earlier is better than owners usually expect, because messy contracts are one of the first things due diligence surfaces, and fixing…

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Buying & Selling a BusinessUpdated August 2026

Does a food premises licence transfer automatically, or does the new owner need a fresh inspection?

A food premises approval or licence generally does not transfer automatically to a new owner the way a lease might. Food premises are regulated locally…

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Buying & Selling a BusinessUpdated August 2026

Can I force the other side to actually close instead of just suing them for money?

In principle, yes — specific performance, a court order compelling the other side to actually complete the transaction, is an available remedy for…

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Buying & Selling a BusinessUpdated August 2026

Can I force my partner to sell to me if they've stopped showing up to work?

Not automatically, and not just because they stopped showing up. A partner's ownership, meaning their shares, and their role as an employee or manager…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced into arbitration instead of court to pursue an indemnity claim?

Yes, if the purchase agreement contains a valid arbitration clause covering indemnity disputes. Ontario's Arbitration Act generally requires a court to…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced into a partner buyout I didn't initiate, just because the other partner wants out?

It depends on what your shareholders' agreement says. A shotgun clause, for example, is specifically designed to let one partner initiate a buyout…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced to close even if I've found something wrong, as long as it's not in the disclosure schedule?

Not automatically. Whether you can be compelled to close despite finding a problem depends on whether that problem falls within something you already…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced to personally guarantee my buyer's compliance with the franchise agreement after I sell?

A franchisor can't force this on you outright, but they can make it a practical precondition of approving the transfer, similar to how a landlord can…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced to personally guarantee my buyer's obligations just to get the assignment approved?

No landlord can force this on you against your will, but they can make it a practical precondition of consenting to the assignment — meaning that,…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced to honour supplier contracts the failing business signed right before it collapsed?

Generally, no. In an asset purchase, a buyer only takes on the contracts it expressly agrees to assume in the purchase agreement, so supplier contracts…

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Buying & Selling a BusinessUpdated August 2026

Can a seller be forced to negotiate in good faith just because they signed an LOI?

Not automatically, just from signing a standard LOI. Ontario contract law recognizes a general duty of honest performance within existing contractual…

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Buying & Selling a BusinessUpdated August 2026

Can I be forced to pay a break fee even if I had a good reason to walk away?

Break fees aren't a standard or automatic feature of business-sale LOIs in Ontario — they're uncommon in smaller deals and only exist at all if you and…

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Buying & Selling a BusinessUpdated August 2026

Does buying the business affect a foreign worker's LMIA-tied work permit status?

It can, and this is a federal immigration matter rather than something governed by Ontario employment or corporate law, so it needs its own specific…

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Buying & Selling a BusinessUpdated August 2026

Should I get a formal valuation done, or is a broker's opinion of value enough?

It depends on what you need the number for and how much is riding on it. A broker's opinion of value is generally faster and less expensive, and it's…

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Buying & Selling a BusinessUpdated August 2026

Can I still sue the seller if I only found the problem by accident, not because I checked?

Yes, generally — how you happened to find a problem doesn't affect your underlying legal right to raise it. What matters for an indemnity claim is…

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Buying & Selling a BusinessUpdated August 2026

What happens if my franchise agreement doesn't say anything about transfers at all?

A franchise agreement that's genuinely silent on transfers is unusual — most are drafted with detailed transfer provisions precisely because…

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