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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

What happens to franchise-style branding rights when a retail chain location is sold individually?

Selling a single franchised retail location isn't simply a business asset sale; it's also a franchise transfer, and the franchisor's rights over its…

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Buying & Selling a BusinessUpdated August 2026

Does buying an existing franchise location still trigger a disclosure document?

Often yes, but not in every case — this is one of the more fact-specific questions in franchise resales, and it should never be assumed either way. The…

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Buying & Selling a BusinessUpdated August 2026

What happens if the franchisor's approval takes longer than my financing commitment stays valid?

This is a real and fairly common timing collision, since franchisor approval processes and a buyer's lender financing commitment both run on their own…

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Buying & Selling a BusinessUpdated August 2026

Does my franchisor need to approve the price I'm selling for, or just the buyer?

Generally, a franchisor's consent right is focused on approving the buyer as a qualified franchisee, not on approving or vetoing the price you've…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor charge whatever they want as a transfer fee?

Not entirely without limit, though franchisors generally have considerably more contractual room to set a transfer fee than a general "reasonableness"…

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Buying & Selling a BusinessUpdated August 2026

What happens if the franchisor claims a right to buy back my location instead of letting me sell it?

This generally comes down to whether your franchise agreement actually contains a buy-back or right-of-first-refusal provision — a franchisor cannot…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor delay approval long enough that my buyer just walks away from the deal?

Realistically, yes — a franchisor who drags out approval, whether deliberately or simply due to internal process, can exhaust a buyer's patience or…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor demand a share of my sale price as a condition of consenting to the transfer?

Generally only if your franchise agreement actually gives them that right — a franchisor can't simply invent an entitlement to a cut of your sale price…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor force my buyer to attend training before letting the sale close?

Generally yes, if your franchise agreement's transfer provisions make training completion a condition of approving a new franchisee, which is extremely…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor impose new capital improvement requirements on my buyer as a condition of transfer?

Often yes, particularly where your franchise agreement's transfer provisions give the franchisor discretion to require the location be brought up to…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor reject my buyer just because they already own a competing brand?

Generally yes, and this is usually treated as one of the more clearly legitimate grounds a franchisor can rely on. Franchisors have a genuine interest…

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Buying & Selling a BusinessUpdated August 2026

Does a franchisor's right of first refusal mean they can buy my business instead of my buyer?

If your franchise agreement contains a right of first refusal, then yes, that's generally exactly what it's designed to do — it gives the franchisor…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor just say no to my buyer for any reason at all?

Generally, no — but how much room a franchisor actually has depends heavily on your specific franchise agreement's transfer provisions. Franchise…

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Buying & Selling a BusinessUpdated August 2026

What happens if my franchisor takes months to respond to my transfer request?

A slow franchisor response is a real and common risk in franchise resales, and how it plays out depends on what your franchise agreement says about…

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Buying & Selling a BusinessUpdated August 2026

Can a franchisor terminate my agreement instead of approving a sale if they think the business is struggling?

This depends on whether the franchisor actually has independent grounds to terminate under your agreement, separate from the transfer request itself —…

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Buying & Selling a BusinessUpdated August 2026

What happens if the franchisor wants to renegotiate the whole agreement instead of just approving a transfer?

Franchisors sometimes do treat a transfer as an opportunity to update the franchise agreement to their current standard template, and whether this is…

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Buying & Selling a BusinessUpdated August 2026

Can I get my full holdback released early if nothing has gone wrong by the deadline?

It depends on exactly how the holdback's release mechanics are drafted, since agreements differ on this point. Many holdback provisions are designed to…

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Buying & Selling a BusinessUpdated August 2026

Do fundamental representations usually get a much higher liability cap than the general ones?

There is no legal rule setting the cap for fundamental representations, so whether they get a higher limit than the general business representations…

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Buying & Selling a BusinessUpdated August 2026

Does a gap between closing and my buyer reopening breach a continuous operation clause in the lease?

It can, depending on exactly how the continuous operation clause is worded and how long the gap actually is. Many commercial leases — especially in…

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Buying & Selling a BusinessUpdated August 2026

What happens to a liquor licence if there's a gap between the old owner leaving and the new one being approved?

If a new owner's liquor licence approval isn't in place by the time the sale closes and the seller's licence stops applying, there can be a real gap…

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Buying & Selling a BusinessUpdated August 2026

Can I get financing from a bank to buy a business that's currently in receivership?

Yes, financing a receivership purchase is common, and lenders are generally comfortable with these transactions once they understand the process,…

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Buying & Selling a BusinessUpdated August 2026

Do I get the keys the same day the money changes hands, or is there a delay?

Ordinarily, yes — possession is meant to happen the same day funds are released, and lawyers on both sides generally coordinate the exchange so the…

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Buying & Selling a BusinessUpdated August 2026

Can I get out of the deal if the seller hid that a key customer was about to leave?

This depends heavily on timing. If you discover this before closing, the question is whether it triggers an existing closing condition or a…

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Buying & Selling a BusinessUpdated August 2026

Can I get out of an LOI if the buyer misrepresented themselves before I signed it?

Potentially, though the practical value of "getting out" depends on what you're actually trying to escape. If the core deal terms in your LOI were…

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Buying & Selling a BusinessUpdated August 2026

Can I get out of a signed purchase agreement if I find a deal-breaker before closing?

It depends on whether the problem you've found ties to something the agreement actually gives you a right to act on. Two main paths exist before…

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Buying & Selling a BusinessUpdated August 2026

Should I get my personal finances in order before I start this process?

Yes, and this is a step owners often leave until after a deal is already shaped, when it's harder to act on. How a sale is structured — a share sale…

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Buying & Selling a BusinessUpdated August 2026

What happens to gift cards and store credit when a retail business changes hands?

Outstanding gift cards and store credit represent real obligations to customers, and they don't disappear just because the business is sold; how…

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Buying & Selling a BusinessUpdated August 2026

Can I gift part of the business to my kids and sell them the rest?

Yes, structuring a transition as part gift and part sale is a common and legitimate approach, and it can make a business more affordable for a child…

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Buying & Selling a BusinessUpdated August 2026

Can I go after a seller's guarantor if the seller itself has no money left to pay a judgment?

Yes, generally, if the purchase agreement or a related document included a personal guarantee — commonly from the principal behind a corporate seller —…

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Buying & Selling a BusinessUpdated August 2026

Can I go around my broker and negotiate directly with a buyer they introduced?

You can have direct conversations with a buyer, but doing so to avoid your broker's involvement — or to avoid commission on a sale to a buyer they…

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Buying & Selling a BusinessUpdated August 2026

Does a general security agreement give the lender rights over inventory I haven't bought yet?

Yes, generally. A general security agreement registered under Ontario's Personal Property Security Act typically includes "after-acquired property"…

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Buying & Selling a BusinessUpdated August 2026

Is a handshake promise from the seller worth anything if it's not in the signed agreement?

Generally, not much, if the purchase agreement contains an "entire agreement" clause, which most do — this kind of clause states that the written…

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Buying & Selling a BusinessUpdated August 2026

Can I be held to a price I only agreed to informally in an LOI?

Generally, no. Price is exactly the kind of term LOIs for a business purchase and sale are typically drafted to leave non-binding, precisely because…

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Buying & Selling a BusinessUpdated August 2026

Can a hidden lien on equipment follow me even if I only buy the assets?

It can, if you buy the equipment without checking for and clearing an existing registered security interest against it. In Ontario, security interests…

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Buying & Selling a BusinessUpdated August 2026

Can hidden warranty claims from past customers become my problem after I buy?

It depends heavily on how your deal is structured. In a share sale, warranty obligations owed by the corporation to past customers generally come with…

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Buying & Selling a BusinessUpdated August 2026

If I agree to a higher basket as a buyer, what do I usually give up in exchange?

There is no fixed rule dictating what a buyer receives in exchange for agreeing to a higher basket threshold, since the indemnity section of a purchase…

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Buying & Selling a BusinessUpdated August 2026

What happens if another bidder shows up with a higher offer after I've already made a deal with the receiver?

It depends on the stage of the process. Many receivership sales use a court-approved bidding process, sometimes structured with an initial "stalking…

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Buying & Selling a BusinessUpdated August 2026

Should I hire someone to run the business before I try to sell it?

Often, yes — if the business currently depends heavily on you personally, bringing in a manager before you sell can materially improve both how buyers…

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Buying & Selling a BusinessUpdated August 2026

Can I hold a broker responsible if they misrepresent my business to buyers?

Potentially, yes. A broker acting on your behalf is expected to present your business accurately, based on information you've provided and reasonable…

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Buying & Selling a BusinessUpdated August 2026

Can I put the sale proceeds on hold if I think the seller is about to disappear with the money?

Courts can, in limited and genuinely exceptional circumstances, grant an urgent order — sometimes called a freezing order — to stop a party from moving…

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Buying & Selling a BusinessUpdated August 2026

Can I insist part of the price be held back just to cover a possible CRA reassessment?

Yes, and this is a common and sensible request in a business purchase and sale where the buyer is worried about pre-closing tax exposure. There is no…

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Buying & Selling a BusinessUpdated August 2026

Does using a holding company to borrow the purchase money protect my personal assets?

Partially, and only if the lender does not also require a personal guarantee, which is common for a newly formed acquisition vehicle. Borrowing through…

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Buying & Selling a BusinessUpdated August 2026

Can I use my house as collateral without my spouse's consent to finance a business purchase?

Generally no, if the house is a matrimonial home under Ontario's Family Law Act. That Act restricts one spouse from mortgaging, encumbering, or…

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Buying & Selling a BusinessUpdated August 2026

How do I know if inventory on the books is actually still there?

The financial statements alone won't tell you — inventory value on a balance sheet is a number, not a physical confirmation, and it's one of the easier…

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Buying & Selling a BusinessUpdated August 2026

How far back should I check a business's financial records before making an offer?

There's no fixed legal rule dictating how many years of financial records you must review before making an offer — it's a matter of prudent due…

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Buying & Selling a BusinessUpdated August 2026

How does the money actually move on the day a business sale closes?

Money in a business purchase and sale almost always moves lawyer-to-lawyer through trust accounts, not directly between buyer and seller. The buyer's…

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Buying & Selling a BusinessUpdated August 2026

How do I check if a broker actually has experience selling businesses like mine?

Ask directly for examples: how many businesses in your general industry or size range they've sold recently, and what happened with those deals. A…

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Buying & Selling a BusinessUpdated August 2026

How do I decide if my business is even sellable in the first place?

A business is sellable if a buyer can reasonably expect to keep it running and profitable after you leave, and the honest way to test that is to look…

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Buying & Selling a BusinessUpdated August 2026

How can I tell if a seller's reported cash sales are actually real?

Cash-heavy businesses are the hardest to verify, and a seller motivated to show strong numbers has an obvious incentive to inflate them. There's no…

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Buying & Selling a BusinessUpdated August 2026

How do I vet a broker before handing them sensitive financial information?

Start with the basics: ask about their track record with businesses similar to yours, request references, and ask specifically how they handle…

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Buying & Selling a BusinessUpdated August 2026

If I sign a letter of intent, am I actually committed to selling?

Signing a letter of intent (LOI) doesn't usually commit you to actually selling. Most LOIs for a business purchase and sale are drafted so the core…

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Buying & Selling a BusinessUpdated August 2026

Can I include a clause in the LOI that lets me walk away for any reason at all?

Yes — an explicit unilateral right to walk away, sometimes drafted as a broad termination right requiring no cause at all, can absolutely be negotiated…

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Buying & Selling a BusinessUpdated August 2026

Is an indemnity cap usually tied to the full purchase price or just part of it?

Both approaches show up in Ontario business sales, and there is no legal rule requiring either — the cap is simply whatever the buyer and seller…

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Buying & Selling a BusinessUpdated August 2026

Can a buyer still make an indemnity claim after they've already resold the business to someone else?

Often yes, though it depends on what happened to the buyer's rights under the original purchase agreement when the business was resold. If the buyer's…

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Buying & Selling a BusinessUpdated August 2026

Can I still make an indemnity claim if the seller's corporation has been dissolved since closing?

It becomes considerably harder, but not necessarily impossible. Once a corporation is dissolved, it generally ceases to exist as a legal person, which…

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Buying & Selling a BusinessUpdated August 2026

Does an indemnity clause cover lawsuits from third parties, or just losses I suffer directly?

A well-drafted indemnity clause in an Ontario purchase agreement typically covers both, but treats them somewhat differently in how a claim is actually…

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Buying & Selling a BusinessUpdated August 2026

Does my indemnity payout get reduced by whatever I already recovered from insurance?

Usually yes, if the purchase agreement includes the kind of anti-double-recovery language that most Ontario agreements do. It is common to require that…

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Buying & Selling a BusinessUpdated August 2026

Does an indemnity claim survive if the buyer later amalgamates the target into another company?

Generally yes. Under Ontario and federal corporate law, an amalgamation is treated as a continuation of the amalgamating corporations rather than the…

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Buying & Selling a BusinessUpdated August 2026

Does my indemnity claim survive if the seller personally goes bankrupt after closing?

The claim itself generally survives as a legal right, but its practical value can be sharply reduced. If a seller who personally guaranteed…

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Buying & Selling a BusinessUpdated August 2026

What happens if my industry licence takes longer to approve than my closing date allows?

This is a common and serious timing risk, since regulatory licensing processes generally run on their own schedule and have little regard for a deal's…

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Buying & Selling a BusinessUpdated August 2026

Can I inherit a unionized workforce's grievances that were already in progress?

Yes, this is a real possibility, and it's closely tied to whether you're found to have stepped into the seller's shoes as the employer for labour…

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Buying & Selling a BusinessUpdated August 2026

Do I inherit an employee's original start date even if they sign a brand new contract with me?

For Employment Standards Act purposes, generally yes — if you've hired the employee as part of a going-concern business sale, their statutory…

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Buying & Selling a BusinessUpdated August 2026

Can I inherit liability for a workplace accommodation the seller never properly provided?

It depends on your deal structure, but there's an important ongoing dimension here separate from historical liability. In a share purchase, generally…

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Buying & Selling a BusinessUpdated August 2026

Do I inherit the obligation to honour gift cards or prepaid credits a business already sold?

It depends on your deal structure, and this is a liability worth quantifying specifically rather than treating as a footnote. In a share sale, the…

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Buying & Selling a BusinessUpdated August 2026

Can I inherit obligations under an employment contract I never signed or saw?

In a share purchase, yes — the corporation is bound by the employment contracts it entered into, whether or not you personally ever saw or signed them,…

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Buying & Selling a BusinessUpdated August 2026

Can I insist certain employees stay with the seller instead of transferring with the assets?

Yes — in an asset purchase, a buyer generally has no statutory obligation to hire any of the seller's employees, which means you can choose to make…

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Buying & Selling a BusinessUpdated August 2026

Can I insist on a vesting order to make sure old claims can't follow the assets I'm buying?

Yes, and doing so is one of the most important protections available in a distressed purchase. A vesting order is a court order approving the sale and…

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Buying & Selling a BusinessUpdated August 2026

Does an insurance brokerage need the insurers' approval before its book of business can be sold?

Often, yes, at least in practical terms, even where it isn't framed as formal "approval" of the sale itself. Brokerages typically operate under agency…

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Buying & Selling a BusinessUpdated August 2026

What happens to an intercreditor agreement if my bank loan gets paid off early?

This depends entirely on the specific termination language written into the intercreditor, or subordination, agreement itself, rather than any…

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Buying & Selling a BusinessUpdated August 2026

What happens if I discover the inventory count on closing day was deliberately inflated?

A deliberately inflated inventory count is a strong candidate for both an indemnity claim, since inventory value typically feeds directly into the…

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Buying & Selling a BusinessUpdated August 2026

Does selling inventory as part of the deal get taxed differently than selling goodwill?

Yes, quite differently. Inventory sold as part of a business is generally treated as a sale in the ordinary course of business for tax purposes, so the…

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Buying & Selling a BusinessUpdated August 2026

Is a handshake deal before the LOI worth anything at all?

An informal handshake understanding, before anything is put in writing, generally carries very little legal weight for the sale itself in a transaction…

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Buying & Selling a BusinessUpdated August 2026

Is it common for a listing to include a tail period after it ends?

Yes, tail (or holdover) clauses are a standard feature of most business-sale listing agreements, not an unusual add-on to be suspicious of. The purpose…

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Buying & Selling a BusinessUpdated August 2026

Is an anonymized listing actually enough to keep my identity secret?

It helps, but it isn't foolproof, and it's worth understanding the limits before relying on it completely. A blind or anonymized listing typically…

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Buying & Selling a BusinessUpdated August 2026

Is my exclusivity obligation over the moment the LOI's stated period ends?

Usually, yes — an exclusivity clause tied to a defined period generally ends when that period does, without needing any further step from either side,…

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Buying & Selling a BusinessUpdated August 2026

Is it a mistake to base my price entirely on what a friend sold their business for?

Generally, yes, unless that friend's business is genuinely comparable to yours in industry, size, financial performance, and risk profile, which is a…

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Buying & Selling a BusinessUpdated August 2026

Is it a red flag to buyers if I can't explain how I arrived at my own asking price?

Yes, and it's one of the more common ways sellers unintentionally weaken their own negotiating position. An asking price that you can't walk through —…

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Buying & Selling a BusinessUpdated August 2026

Is it fair for a buyer to discount my price just because I'm the only one who knows how things run?

It's a legitimate negotiating position, even if it doesn't feel fair from where you're sitting. A buyer isn't just purchasing today's earnings —…

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Buying & Selling a BusinessUpdated August 2026

Is it normal for two valuators to disagree by a wide margin on the same business?

Some disagreement is normal — valuation involves professional judgment, not just plugging numbers into a formula, so two qualified valuators can…

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Buying & Selling a BusinessUpdated August 2026

Is it realistic to sell a business that's currently losing money?

It can be, but a business that's currently losing money is a different kind of sale than a profitable one, and it helps to be realistic about that…

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Buying & Selling a BusinessUpdated August 2026

Is it reasonable for a buyer to expect a discount just because I'm motivated to sell quickly?

It's a common and understandable negotiating position from the buyer's side, even if "reasonable" is ultimately your call to make. A buyer who senses…

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Buying & Selling a BusinessUpdated August 2026

Is money I recover from suing a seller taxable to me?

It depends on what the payment is actually characterized as, which is a federal income tax question governed by the Income Tax Act rather than…

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Buying & Selling a BusinessUpdated August 2026

Is my deposit at risk if the buyer simply changes their mind?

Whether a deposit is at risk in this situation depends entirely on how the deposit terms were actually drafted, not on how fair or unfair the buyer's…

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Buying & Selling a BusinessUpdated August 2026

Is recapitalizing my business a real alternative to selling everything?

Yes — a recapitalization, where you sell a significant stake (often a majority) while keeping some ownership and typically staying involved in the…

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Buying & Selling a BusinessUpdated August 2026

Is there a wrong way to announce internally that the business might be sold?

Yes — there isn't one single "right" way to announce a possible sale, but there are clearly worse ways, and most of them come down to timing and…

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Buying & Selling a BusinessUpdated August 2026

Is it enough to just verbally ask a buyer to keep things confidential?

It offers some protection, but it's considerably weaker than a written agreement, and not something to rely on for anything genuinely sensitive. A…

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Buying & Selling a BusinessUpdated August 2026

Is winding down ever actually a better choice than selling?

Sometimes, yes. Winding down can be the more sensible choice when the business has little value to anyone else beyond its individual assets — for…

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Buying & Selling a BusinessUpdated August 2026

Does posting a general job ad break a non-solicit clause if a former employee happens to apply?

Usually not, if the non-solicitation clause is written the way most are. Non-solicitation covenants typically prohibit actively and directly…

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Buying & Selling a BusinessUpdated August 2026

Can I insist on keeping a deposit even if I'm the one who ends up backing out?

Generally, no. Deposit forfeiture or retention terms are typically tied to the other side's default, not your own — a deposit clause is usually written…

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Buying & Selling a BusinessUpdated August 2026

What happens if key customers all leave right after I take over and the seller knew they were unhappy?

This depends on whether the purchase agreement contained a representation touching on customer relationships — commonly something like no known…

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Buying & Selling a BusinessUpdated August 2026

Can key developers just walk away with the codebase knowledge after a tech company is sold?

Legally, yes — nothing automatically stops a key developer from resigning after a sale closes, and the code itself (assuming ownership was properly…

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Buying & Selling a BusinessUpdated August 2026

What happens if a key supplier contract turns out to be unassignable?

It depends on the deal structure. In a share sale, this generally isn't an issue, because the corporation that holds the contract doesn't change —…

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Buying & Selling a BusinessUpdated August 2026

How do I know if I should sell now or wait a few more years?

There's no fixed formula for this, but the question is usually better answered by looking at trajectory than by picking a number of years in advance.…

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Buying & Selling a BusinessUpdated August 2026

What if I find out the landlord already has grounds to terminate the lease before I even try to sell?

This is a serious problem to uncover before, rather than during, a sale, because an existing default can undermine the whole transaction regardless of…

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Buying & Selling a BusinessUpdated August 2026

What happens if my landlord and I disagree about who actually owes back rent at the time of the sale?

A disputed rent arrears claim can become a real obstacle to closing, since most landlords are reluctant to consent to an assignment while they believe…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord cancel the lease before I even get a chance to buy the business out of receivership?

A landlord generally keeps its ordinary rights under the lease and general landlord-tenant law, and those rights aren't automatically frozen just…

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Buying & Selling a BusinessUpdated August 2026

What happens if the landlord wants to change the permitted use clause before approving my buyer?

A landlord generally cannot unilaterally rewrite your lease's permitted-use clause — changing what the tenant is allowed to do in the space is an…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord charge me a fee just for approving the assignment to my buyer?

Often yes, if your lease says so. Many commercial leases entitle the landlord to recover its reasonable legal and administrative costs of reviewing and…

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Buying & Selling a BusinessUpdated August 2026

Can I insist my landlord confirm in writing that the lease is in good standing before I sell?

You can ask, and most buyers will want exactly this before closing — it's commonly done through what's called an estoppel certificate (or sometimes a…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord's consent be delayed so long that it blows up my whole closing timeline?

Yes, and this is one of the most common practical risks in a business purchase and sale involving leased premises — landlord consent is frequently the…

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