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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

Can a landlord demand my buyer sign a personal guarantee even if I never had to give one?

Generally yes, if the lease's consent provision gives the landlord room to set conditions on approving a new tenant. A landlord's willingness to…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord demand to see my buyer's personal financial statements before approving them?

Generally yes, and this is one of the most standard and defensible parts of a landlord's consent review. Landlords have a legitimate interest in…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord demand extra security deposit from my buyer before approving the assignment?

Generally yes, if your lease's consent provision gives the landlord room to set conditions on approving a new tenant, and this is a fairly common…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord demand higher insurance coverage from my buyer as a condition of the assignment?

Generally yes, if your lease's consent provision gives the landlord room to set reasonable conditions on approving a new tenant, and insurance…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord demand a brand new lease instead of just assigning the old one?

A landlord can propose it, but generally cannot force it unless your lease itself gives the landlord that kind of leverage — for example, a clause…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord make my buyer lease additional space as a condition of approving the assignment?

Generally, this goes beyond what a landlord's consent power is meant to cover, though whether it's actually enforceable depends on your lease's…

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Buying & Selling a BusinessUpdated August 2026

Does a landlord have to give a reason if they refuse to consent to my lease assignment?

It depends on your lease's specific wording, since there is no general Ontario rule forcing a landlord to justify a refusal outside of what the lease…

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Buying & Selling a BusinessUpdated August 2026

What happens if my landlord simply never responds to my request to assign the lease?

Silence creates real risk for your closing timeline, and how it's treated depends on your lease's own wording rather than any automatic rule that…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord use the sale as an excuse to raise the rent before agreeing to anything?

It depends on what your lease actually authorizes the landlord to require as a condition of consent. Some leases give the landlord fairly broad…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord recapture the space instead of consenting once they hear I'm selling?

Only if your lease gives the landlord a recapture right, and only in the way that clause actually describes triggering it — merely hearing informally…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord refuse an assignment just because they'd rather find a new tenant themselves?

Generally, no — not where your lease includes a standard that consent cannot be unreasonably withheld. A landlord's own preference to re-lease the…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord refuse my buyer because it would violate an exclusivity deal with another tenant?

Yes, generally this is a legitimate reason for a landlord to refuse or condition consent. If another tenant in the same plaza or building has an…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord refuse consent because the buyer plans to run a different kind of business?

Often yes, and this is usually one of the stronger grounds a landlord has. Most commercial leases specify a "permitted use" clause restricting what…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord just refuse to let me sell my business because they don't like the buyer?

Not usually, but it depends entirely on what your lease says. Most commercial leases prohibit assigning the lease to a new tenant without the…

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Buying & Selling a BusinessUpdated August 2026

Can a landlord refuse to release me from the lease even after my buyer takes over the space?

Yes, generally a landlord can refuse to release you, and this is one of the least understood parts of assigning a commercial lease. Consenting to the…

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Buying & Selling a BusinessUpdated August 2026

Does my landlord get a right of first refusal to buy my business if it's written into the lease?

Only if that right was actually negotiated into your lease — it's not a standard or implied feature of Ontario commercial leases, and most leases say…

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Buying & Selling a BusinessUpdated August 2026

What if my landlord says my buyer isn't a strong enough covenant to approve the assignment?

This is generally one of the more defensible grounds a landlord can rely on. A tenant's "covenant" — their financial strength and ability to pay rent…

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Buying & Selling a BusinessUpdated August 2026

Can my landlord take back the space instead of letting me assign the lease to a buyer?

Only if your lease actually gives the landlord that right. Some commercial leases include a "recapture" clause, allowing the landlord to terminate the…

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Buying & Selling a BusinessUpdated August 2026

What if my landlord already gave verbal approval but won't put it in writing?

Don't close on the strength of a verbal approval alone. Most commercial leases require consent to assignment to be given in a particular form, and even…

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Buying & Selling a BusinessUpdated August 2026

What if my landlord wants a completely different rent structure as the price of approving my sale?

Whether the landlord can actually insist on this comes down to your lease's consent clause, and this is a more aggressive version of a common tactic.…

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Buying & Selling a BusinessUpdated August 2026

What if my landlord wants to charge my buyer market rent instead of honouring my current lease rate?

On a straightforward assignment, the buyer generally steps into your existing lease as-is — including your current rent — and a landlord cannot simply…

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Buying & Selling a BusinessUpdated August 2026

What happens if the landlord's mortgage lender also has to approve the lease assignment?

This can add a real extra layer to your timeline, and it happens more often than tenants expect. Where the landlord's own mortgage on the property…

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Buying & Selling a BusinessUpdated August 2026

What happens if I paid myself a large dividend right before selling and it affects my safe income?

"Safe income" is the pool of a corporation's already-taxed retained earnings that can reasonably be said to contribute to the value of its shares, and…

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Buying & Selling a BusinessUpdated August 2026

What happens to trust funds a law practice is holding for clients when the practice is sold?

Client trust funds don't simply become part of the deal the way office equipment or a client list might. Money a law practice holds in trust belongs to…

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Buying & Selling a BusinessUpdated August 2026

Do I need a lawyer involved before I even start planning a sale?

Not to begin thinking about it — you can start considering timing, talking to your accountant, and forming a general picture without a lawyer involved…

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Buying & Selling a BusinessUpdated August 2026

Can a lawyer refuse to release funds if the paperwork isn't perfectly in order?

Yes, and in most situations a lawyer is expected to. A lawyer holding client funds in trust is generally required to follow the closing conditions that…

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Buying & Selling a BusinessUpdated August 2026

Can my accountant or lawyer represent both me and my child in a family business sale?

For a lawyer, generally no. A sale between parent and child creates the same kind of conflict of interest as a sale between two strangers, since the…

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Buying & Selling a BusinessUpdated August 2026

What happens if the lease has already technically expired by the time my sale closes?

An expired lease you're still operating under generally puts you in a holdover position, where you continue paying rent and the landlord continues…

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Buying & Selling a BusinessUpdated August 2026

What happens if the lease is coming up for renewal right in the middle of my sale process?

This timing overlap needs careful handling, because renewal and assignment are two separate steps that can interact in ways that catch sellers off…

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Buying & Selling a BusinessUpdated August 2026

What happens if my lease says nothing at all about assignment one way or the other?

A lease that is genuinely silent on assignment is unusual, but where it happens, general principles of Ontario commercial tenancy law still apply.…

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Buying & Selling a BusinessUpdated August 2026

What happens to leasehold improvements I paid for if I assign the lease to a buyer?

Leasehold improvements — fixtures and alterations attached to the leased premises — generally belong to the landlord as part of the real property once…

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Buying & Selling a BusinessUpdated August 2026

Does a lender care whether the deal is structured as an asset purchase or a share purchase?

Yes, materially. In a share purchase, the buyer's corporation acquires the target corporation along with all of its existing liabilities, known and…

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Buying & Selling a BusinessUpdated August 2026

Can a lender demand access to the business's bank statements even after the loan is approved?

Yes, and this is standard rather than unusual. Most commercial loan agreements include ongoing financial reporting covenants that continue for the…

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Buying & Selling a BusinessUpdated August 2026

Does a lender register anything against the business, or just against me personally?

Typically both, depending on the security package the lender negotiates as part of approving the loan. Most commercial lenders financing a business…

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Buying & Selling a BusinessUpdated August 2026

Can a lender require the seller to stay on as a consultant before approving my loan?

Yes, and this is a fairly common condition for lenders financing the purchase of an owner-operated business. A lender may see the departing owner's…

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Buying & Selling a BusinessUpdated August 2026

Can a lender walk away from a signed commitment letter before the loan actually funds?

Often yes, and this comes down to how conditional the specific commitment letter actually is, rather than any general rule that a signed commitment…

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Buying & Selling a BusinessUpdated August 2026

Am I liable for a harassment complaint that was still being investigated when I bought the business?

It depends on your deal structure, though there's an added practical wrinkle here compared to some other pre-closing liabilities. In a share purchase,…

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Buying & Selling a BusinessUpdated August 2026

Am I liable for a workplace safety violation that happened before I bought the business?

It depends on your deal structure. In a share purchase, generally yes — liability connected to a workplace safety violation, including any fines,…

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Buying & Selling a BusinessUpdated August 2026

Can I be liable if I accidentally confirm a rumour that my business is for sale?

Generally, no — confirming something true about your own business, even inadvertently, isn't itself a legal wrong, since you're not disclosing anyone…

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Buying & Selling a BusinessUpdated August 2026

Can I still be liable for a lease default my buyer causes years after I've sold the business?

Yes, potentially — and this is a direct consequence of the general rule that assigning a lease doesn't automatically release the original tenant. If…

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Buying & Selling a BusinessUpdated August 2026

Can I be liable for a buyer's legal fees if I walk away after signing an LOI?

Generally not, unless your LOI specifically included a cost-allocation or reimbursement clause addressing exactly this situation. Cost allocation is…

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Buying & Selling a BusinessUpdated August 2026

Can I be liable for constructive dismissal if I change terms right after taking over?

Yes, this is a real risk, and it catches new owners off guard because they think of themselves as starting fresh rather than as continuing an existing…

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Buying & Selling a BusinessUpdated August 2026

Can I be liable for mass termination notice obligations if I lay off staff right after buying?

Yes, potentially. If you continue employing a group of the seller's employees as part of a going-concern purchase and then decide to terminate a…

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Buying & Selling a BusinessUpdated August 2026

Can I be personally liable for a professional practice's malpractice claims from before I bought it?

Generally, no, not personally — professional negligence liability attaches to the professional who actually provided the care or advice, not…

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Buying & Selling a BusinessUpdated August 2026

Does buying a tech company make me responsible for security breaches that happened before I owned it?

Again, this turns largely on deal structure. In a share sale, the buyer acquires the corporation itself, including its legal history, so liability…

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Buying & Selling a BusinessUpdated August 2026

Am I liable for severance if I keep everyone on but change their job titles significantly?

Potentially, yes, even though nobody was formally let go. If a significant change to an employee's job title comes with a real reduction in duties,…

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Buying & Selling a BusinessUpdated August 2026

Am I liable for severance owed to someone the seller fired right before closing?

If the deal is structured as an asset purchase, generally no — a termination that happened before closing, and any severance it triggered, is a…

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Buying & Selling a BusinessUpdated August 2026

Can I be liable for a trades business's past workplace safety violations after I buy it?

It depends heavily on whether you're buying shares or assets. In a share sale, you're acquiring the corporation itself, including its history, so any…

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Buying & Selling a BusinessUpdated August 2026

Am I liable for unpaid overtime that built up under the previous owner?

It depends on your deal structure. In a share purchase, yes — unpaid overtime is a debt the corporation owes its employees, and since the corporation…

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Buying & Selling a BusinessUpdated August 2026

Can I be on the hook if my buyer's licence application gets rejected after we've already closed?

Generally, whether you have any ongoing exposure after closing depends entirely on how your purchase agreement allocates this risk, not on some…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if the seller classified someone as a contractor when they were really an employee?

Yes, this matters quite a bit, because under the Employment Standards Act, it's the actual substance of the working relationship — not the label the…

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Buying & Selling a BusinessUpdated August 2026

Am I liable if the seller misclassified employees to avoid overtime obligations?

It depends on your deal structure. In a share purchase, generally yes — a misclassification that led to unpaid overtime is, in substance, an unpaid…

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Buying & Selling a BusinessUpdated August 2026

Am I liable if the seller times a termination the day before closing specifically to avoid passing the cost to me?

In a properly structured asset purchase, generally no — a termination carried out by the seller before closing, however it was timed, is legally the…

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Buying & Selling a BusinessUpdated August 2026

What happens if a licence needed to run the business simply can't be transferred at all?

Some licences and permits are simply not transferable under any circumstances — they're issued to a specific licensed individual or entity based on…

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Buying & Selling a BusinessUpdated August 2026

Can I claim against the seller if a licence turns out to be non-transferable and the business can't operate?

Whether this supports a claim depends heavily on what the seller represented about the licence and whether its transferability was addressed as a…

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Buying & Selling a BusinessUpdated August 2026

What happens if a licence is tied to me personally and can't be transferred to any buyer at all?

Some licences are issued specifically to an individual based on personal qualifications, certification, or a background check — a professional…

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Buying & Selling a BusinessUpdated August 2026

What happens if a licence transfer fee is due before I even know if the sale will close?

This mismatch between a regulator's own application timeline and your deal's uncertainty is a genuine practical problem, since licensing bodies…

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Buying & Selling a BusinessUpdated August 2026

What happens to a licence transfer that's still pending if the seller dies partway through?

This creates real complications, since most licensing applications and transfer processes are built around a living applicant or licensee actively…

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Buying & Selling a BusinessUpdated August 2026

Do business licences automatically transfer to a new owner, or do I have to reapply?

In most cases, a business licence or permit does not automatically transfer with a business purchase and sale — the buyer generally has to apply for…

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Buying & Selling a BusinessUpdated August 2026

Can I structure a deal to license the brand instead of buying the business outright?

Yes, licensing is a real alternative to buying, though it's a fundamentally different kind of transaction. Rather than acquiring ownership of the…

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Buying & Selling a BusinessUpdated August 2026

Can a restaurant's liquor licence be suspended just because ownership is changing hands?

A change in ownership isn't itself a violation that triggers suspension, but mishandling the transition can absolutely create a gap in lawful service,…

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Buying & Selling a BusinessUpdated August 2026

Does a liquor licence transfer with the bar, or does the new owner start from scratch?

A liquor licence does not automatically follow the business when a bar is sold. In Ontario, a liquor licence is issued personally to the licensee (an…

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Buying & Selling a BusinessUpdated August 2026

Can I be locked into paying commission on a deal that falls apart?

It depends on your listing agreement's wording and exactly why the deal fell apart. Some agreements tie commission to an actual closing, meaning no…

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Buying & Selling a BusinessUpdated August 2026

Can I lose my capital gains exemption just by holding too much cash in my company before selling?

Yes, this is a real and common way otherwise-qualifying shares can lose access to the exemption. Qualification depends on the corporation's assets…

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Buying & Selling a BusinessUpdated August 2026

What happens if I start the sale process and then lose interest halfway through?

What happens depends heavily on how far "halfway through" actually is. Early on, before a letter of intent or with only informal discussions underway,…

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Buying & Selling a BusinessUpdated August 2026

What happens to unused loss carryforwards in the target company if I buy its shares instead of its assets?

In a share purchase, the target corporation continues to exist, so its accumulated losses stay with it in principle, but buying control of a…

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Buying & Selling a BusinessUpdated August 2026

Can a majority shareholder sell the whole company without telling a minority shareholder in advance?

Not properly, no. A sale of all or substantially all of a corporation's assets outside the ordinary course of business generally requires shareholder…

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Buying & Selling a BusinessUpdated August 2026

What happens to a professional practice's malpractice insurance history when it's sold?

Malpractice insurance is personal to the professional, not something that automatically transfers with the practice the way office equipment does. Most…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if the business has unresolved insurance claims still open?

Yes, open insurance claims are worth tracking down specifically before closing rather than assuming they'll simply resolve themselves in the…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if the seller's financial statements were never actually reviewed by an accountant?

It matters for how much weight you can put on the numbers as handed to you, though it doesn't mean the business is misrepresented. Financial statements…

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Buying & Selling a BusinessUpdated August 2026

Does it matter whether the business's insurance claims history looks unusually high?

Yes, an unusually high claims history is worth understanding rather than glossing over, for a few distinct reasons. It can affect your own ability to…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if a business's landlord has ongoing complaints about the premises?

Yes, this is worth understanding before you commit, particularly if you'll need the landlord's cooperation to assign or renew the lease. Under the…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if the seller's corporation isn't in good standing when I do diligence?

Yes, it matters, and it's worth checking early rather than assuming a business that's been operating for years must be fine. A corporation can fall out…

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Buying & Selling a BusinessUpdated August 2026

Does it matter if the seller's equipment is leased rather than owned outright?

Yes, and it's an easy detail to miss if you're focused on the business's financial statements rather than reading through what "its" equipment actually…

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Buying & Selling a BusinessUpdated August 2026

Can a buyer of a medical practice be required to take over the seller's existing patients on record?

Generally, no — a buyer, as the physician who will actually be providing care, retains their own professional judgment about which patients they take…

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Buying & Selling a BusinessUpdated August 2026

Is a mezzanine lender's claim on the business paid before or after my bank loan?

After, in essentially every typical acquisition financing structure. Mezzanine financing is deliberately positioned between senior bank debt and the…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder demand to see the buyer's offer before deciding whether to sell?

A minority shareholder generally has a right to enough information about a proposed transaction to make an informed decision on how to vote, and where…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder be excluded from any earn-out or holdback payments the majority negotiates?

It depends on how the sale is structured and what the minority shareholder is actually selling. Where all shareholders are selling their shares…

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Buying & Selling a BusinessUpdated August 2026

What happens if a minority shareholder inherited their shares and has no relationship with the other owners?

Inheriting shares generally makes someone a shareholder with the same rights as anyone else who holds shares of that class — notice of meetings, voting…

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Buying & Selling a BusinessUpdated August 2026

What happens if a minority shareholder never received financial statements before being asked to approve a sale?

Shareholders generally have a right to receive relevant financial information before being asked to vote on a major transaction, and asking a minority…

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Buying & Selling a BusinessUpdated August 2026

Can a minority share purchase leave me exposed to the same risks as buying it all?

In terms of what you personally owe, no — as a minority shareholder, your personal liability is generally limited to what you paid for your shares, and…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder block a sale that the majority wants to go through with?

Generally, no. Most significant corporate decisions, including a sale of all or substantially all of the corporation's assets outside the ordinary…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder demand their own valuation before agreeing to sell?

A minority shareholder generally can't unilaterally require the corporation to commission a valuation just because they ask for one, but nothing stops…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder be forced to sell their shares even if they think the price is too low?

It depends on the mechanism being used. Where a shareholders' agreement includes drag-along rights, a majority reaching an agreed threshold can…

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Buying & Selling a BusinessUpdated August 2026

What happens if a minority shareholder simply refuses to sign the closing documents?

It depends on what's actually being sold and how the transaction is structured. If the sale is of the corporation's assets rather than its shares, a…

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Buying & Selling a BusinessUpdated August 2026

What rights does a minority shareholder actually have if they weren't consulted about a sale?

Minority shareholders generally have statutory rights to proper notice of shareholder meetings, to receive relevant financial information, and to vote…

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Buying & Selling a BusinessUpdated August 2026

Does a minority shareholder get the same price per share as the majority shareholders in a sale?

Not necessarily as a matter of general rule. Ontario corporate law doesn't automatically require every shareholder to receive an identical price per…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder sue if they think a sale unfairly favours the majority owner?

Yes — this is precisely what Ontario's oppression remedy under the Business Corporations Act is designed for. It allows a shareholder, including a…

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Buying & Selling a BusinessUpdated August 2026

Can a minority shareholder's shares be diluted specifically to force them out before a sale?

A corporation can generally issue new shares, and doing so can dilute existing shareholders' proportional ownership, but where dilution is used…

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Buying & Selling a BusinessUpdated August 2026

What happens if a minority shareholder wants to sell but nobody else in the company wants to?

A minority shareholder generally can't force the company or the other shareholders to buy them out, or force a sale of the whole business, just because…

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Buying & Selling a BusinessUpdated August 2026

Am I liable if a misclassified contractor gets injured on the job after I take over?

Potentially, yes, and this connects two separate risks that compound each other. If someone genuinely functioning as an employee has been misclassified…

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Buying & Selling a BusinessUpdated August 2026

Is it a mistake to start selling right after a bad year?

Not necessarily a mistake, but it does mean going in with realistic expectations, since buyers typically look at more than one year of financial…

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Buying & Selling a BusinessUpdated August 2026

If a business is sold to several buyers together, do they share one indemnity cap or each get their own?

There is no default answer to this — it depends entirely on how the purchase transaction and the resulting agreement are structured. If several…

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Buying & Selling a BusinessUpdated August 2026

Can I use multiple family holding companies to multiply the capital gains exemption on one sale?

In principle, yes — if multiple family members each genuinely hold qualifying shares in their own right, whether directly, through their own holding…

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Buying & Selling a BusinessUpdated August 2026

What happens if I have multiple licences and only one agency approves the transfer?

Each licence and its issuing body operates independently, so approval from one regulator has no bearing on how another handles its own review — a…

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Buying & Selling a BusinessUpdated August 2026

If there were multiple sellers, is each one on the hook for the full indemnity or just their share?

It depends entirely on whether the purchase agreement makes the sellers "joint and several" for indemnity purposes, since there is no automatic default…

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Buying & Selling a BusinessUpdated August 2026

If I have several small claims, can they add up past the cap even if none alone would reach it?

Generally yes, if the indemnity cap is drafted as an aggregate ceiling, which is the common approach in Ontario purchase agreements. An aggregate cap…

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Buying & Selling a BusinessUpdated August 2026

What happens if my municipal licence and my provincial liquor licence have different approval timelines?

Each licence is issued by a different level of government with its own separate process, so there's no reason to expect a municipal business licence…

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Buying & Selling a BusinessUpdated August 2026

Can a municipality refuse to transfer a business licence over unpaid fines from before the sale?

Yes, this is a realistic risk, and it's a good example of why licence status needs to be checked carefully before closing rather than assumed to be in…

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Buying & Selling a BusinessUpdated August 2026

Can a municipality require a whole new licence application instead of just a change-of-ownership form?

Yes, this is common, and it depends entirely on how the specific municipal licensing regime is set up rather than any single Ontario-wide rule. Some…

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