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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 if a receivership sale falls through after I've already paid a deposit?

What happens to your deposit depends entirely on the terms of the purchase agreement and any court order approving the sale process, since receivership…

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Buying & Selling a BusinessUpdated August 2026

Can I recover more than the indemnity cap if I prove the seller committed fraud?

Often yes, but only if the purchase agreement is drafted to allow it. Most Ontario share and asset purchase agreements carve fraud, and sometimes…

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Buying & Selling a BusinessUpdated August 2026

Can I recover my legal costs if I have to sue the seller and win?

Generally, a successful party in Ontario litigation can recover some of their legal costs from the losing side, but usually only a portion of the…

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Buying & Selling a BusinessUpdated August 2026

Is it a red flag if a seller refuses to use a broker at all?

Not on its own. Plenty of legitimate sellers manage a sale directly — to save on commission, because they already have a specific buyer in mind, or…

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Buying & Selling a BusinessUpdated August 2026

Can I get a refund of unused franchise fees I already paid if I sell partway through the term?

Generally only if your franchise agreement specifically provides for it, and most don't — franchise fees, whether an upfront initial fee or ongoing…

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Buying & Selling a BusinessUpdated August 2026

Can I refuse to give financial details even after a buyer signs an NDA?

Yes. A signed NDA governs how information is protected once you choose to share it — it doesn't create any obligation for you to actually disclose…

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Buying & Selling a BusinessUpdated August 2026

Can I refuse to extend an exclusivity period if the buyer asks for more time?

Generally, yes. Once the exclusivity period you agreed to in the LOI reaches its stated end, you're typically free to decline a request to extend it,…

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Buying & Selling a BusinessUpdated August 2026

Can a regulator revoke my licence between signing and closing, killing the deal?

Yes, this is a genuine risk, and it's exactly the kind of thing a well-drafted purchase agreement should anticipate rather than leave to chance. A…

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Buying & Selling a BusinessUpdated August 2026

Am I required to reinstate an employee who's on parental leave when I take over the business?

Generally, yes, if you're continuing the business as a going concern and continuity of employment applies. The Employment Standards Act's job-protected…

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Buying & Selling a BusinessUpdated August 2026

Can undisclosed related-party deals make a business look more profitable than it is?

Yes, and this is one of the more subtle ways reported profitability can be misleading without any single number being outright false. If a business…

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Buying & Selling a BusinessUpdated August 2026

Am I released from my personal guarantee if the landlord agrees to the assignment but says nothing about the guarantee?

No — silence is not a release. A personal guarantee is its own separate agreement between you and the landlord, and consenting to the lease assignment…

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Buying & Selling a BusinessUpdated August 2026

If more than one person guaranteed my lease, does releasing me release the other guarantor too?

Not automatically. Where a lease is guaranteed by more than one person, those guarantors are typically liable jointly and severally, meaning the…

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Buying & Selling a BusinessUpdated August 2026

What happens to a lease renewal option if the business changes hands mid-term?

It depends entirely on how the renewal option is worded and whether it survives assignment. A renewal option is a contractual right created by the…

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Buying & Selling a BusinessUpdated August 2026

What happens to renewal rights under a franchise agreement if the sale closes right before the renewal date?

This timing overlap needs careful handling, similar to how a lease renewal can collide with a lease assignment. Franchise agreements typically require…

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Buying & Selling a BusinessUpdated August 2026

Do representations survive past their stated deadline if the seller committed fraud?

Sometimes, but it depends on both the agreement and the nature of the claim. Survival periods are contractual deadlines the parties negotiate for…

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Buying & Selling a BusinessUpdated August 2026

Can I require a specific employee's contract be signed as a condition before I'll close?

Yes — making a specific employee's continued employment (or a signed new agreement with them) a closing condition is a common way for a buyer to…

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Buying & Selling a BusinessUpdated August 2026

Can I require a buyer to destroy my documents if the deal falls apart?

Yes — a return-or-destroy obligation is a standard and enforceable term in a well-drafted confidentiality agreement, requiring a buyer to return or…

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Buying & Selling a BusinessUpdated August 2026

Can I require the seller to guarantee the accuracy of the working capital figures they gave me?

Yes, and buyers commonly achieve this through the representations and warranties in the purchase agreement rather than through the working capital…

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Buying & Selling a BusinessUpdated August 2026

Can I require the seller to settle certain debts before agreeing to a share purchase?

Yes, and this is a common and sensible closing condition in a share purchase, precisely because buying the shares means buying the corporation with all…

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Buying & Selling a BusinessUpdated August 2026

What happens if a required consent or approval hasn't come through by the scheduled closing date?

If the purchase agreement makes that consent — a landlord's consent to a lease assignment, a franchisor's approval, a lender's consent to a discharge —…

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Buying & Selling a BusinessUpdated August 2026

What happens if the resale disclosure document reveals a problem my buyer didn't know about?

Where a disclosure document is required and is provided, and it reveals something material the buyer wasn't previously aware of, the buyer generally…

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Buying & Selling a BusinessUpdated August 2026

Does a franchise resale exemption mean my buyer gets no disclosure document at all?

Not necessarily, and this is an assumption worth being careful about. Even where a specific resale genuinely qualifies for one of the Arthur Wishart…

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Buying & Selling a BusinessUpdated August 2026

Do I have to resolve a dispute with my business partner before I can put the business up for sale?

In most cases, yes, at least to some degree, because selling a corporation you co-own generally requires cooperation from your fellow shareholder —…

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Buying & Selling a BusinessUpdated August 2026

Am I responsible for a CPP or EI remittance shortfall tied to payroll before I bought the business?

Payroll remittance obligations for the Canada Pension Plan and Employment Insurance are federal requirements owed by the employer at the time wages…

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Buying & Selling a BusinessUpdated August 2026

Am I responsible for a stock option or bonus plan promise the seller made to an employee?

In a share purchase, generally yes — a promise the corporation made to an employee, whether documented in a formal plan or a less formal arrangement,…

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Buying & Selling a BusinessUpdated August 2026

Am I responsible for a wrongful dismissal claim that was filed before I bought the business?

It depends on how you bought the business. In a share purchase, yes, generally — a wrongful dismissal claim against the corporation is a liability of…

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Buying & Selling a BusinessUpdated August 2026

Am I responsible for topping up a pension shortfall the seller left behind?

In a share purchase, generally yes — if the corporation sponsors a pension plan with an underfunded shortfall, that obligation belongs to the…

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Buying & Selling a BusinessUpdated August 2026

Am I responsible for WSIB premiums the seller never paid?

In a share purchase, generally yes — unpaid WSIB premiums are a debt tied to the corporation's account, and since you now own that corporation, the…

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Buying & Selling a BusinessUpdated August 2026

What happens to a restaurant's health inspection history when it's sold to a new owner?

A restaurant's public health inspection history is tied to the premises and the operator on record, and a change of ownership doesn't erase it from…

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Buying & Selling a BusinessUpdated August 2026

What happens to a restaurant's lease-tied liquor licence if the new owner wants to change the concept?

Changing the concept of a restaurant after a sale can affect both the lease and the liquor licence, and the two need to be checked separately rather…

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Buying & Selling a BusinessUpdated August 2026

Does buying a restaurant mean I inherit its existing supplier and delivery contracts automatically?

Whether you inherit the seller's supplier and delivery contracts depends heavily on how the deal is structured. In a share sale, the operating…

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Buying & Selling a BusinessUpdated August 2026

Can restructuring my corporate group right before a sale be seen by the CRA as abusive tax avoidance?

Yes, this is a real risk, particularly where the restructuring's main apparent purpose is reducing tax on a sale that's already substantially arranged,…

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Buying & Selling a BusinessUpdated August 2026

Can a retail business's returns and warranty obligations follow it to a new owner?

They can, and often do, but whether they must depends again on how the sale is structured. In a share sale, the corporation that sold the original…

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Buying & Selling a BusinessUpdated August 2026

What happens to a retail store's supplier rebates and loyalty program when it's sold?

Supplier rebate arrangements and customer loyalty programs are both contractual relationships, not physical assets, so whether they continue after a…

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Buying & Selling a BusinessUpdated August 2026

Do I get a chance to review the final numbers before wiring the money on closing day?

Yes, and you should insist on it if it isn't offered with enough time. Lawyers typically prepare a final statement of adjustments, along with any…

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Buying & Selling a BusinessUpdated August 2026

Can I revoke a buyer's access to a data room if I stop trusting them?

Generally, yes — a data room is typically controlled by the seller, and access is usually granted at the seller's discretion rather than as an…

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Buying & Selling a BusinessUpdated August 2026

What's the risk of buying a business that's been sitting on the market unsold for ages?

The risk isn't automatic, but it changes what your due diligence should focus on. A business that's been listed a long time without selling might…

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Buying & Selling a BusinessUpdated August 2026

What's the risk of buying assets from a company that still owes money to its own suppliers?

Generally, buying specific assets from a company doesn't make you personally responsible for its unpaid supplier debts — those obligations belong to…

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Buying & Selling a BusinessUpdated August 2026

What's the risk of leaving a liability behind if I only take the assets I want?

The main risk is assuming that "leaving it behind" always works exactly as the purchase agreement says. In an asset purchase, liabilities you don't…

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Buying & Selling a BusinessUpdated August 2026

What's the risk of leaving qualifying language like 'material' undefined in the agreement?

The main risk isn't that the word becomes meaningless — it's that leaving it undefined shifts the real work of interpreting it from the negotiating…

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Buying & Selling a BusinessUpdated August 2026

What's the actual risk of waiting too long to start planning my exit?

The real risk isn't usually that the business becomes unsellable — it's that your options narrow and your leverage shrinks. Planning early gives you…

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Buying & Selling a BusinessUpdated August 2026

Is it risky to use the same broker representing both me and the buyer?

Yes, there's a real conflict-of-interest risk, because a broker representing both sides can't fully advocate for the best possible price and terms for…

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Buying & Selling a BusinessUpdated August 2026

Is it risky to let a buyer record or take photos during a site visit before anything is signed?

Yes, it's worth treating deliberately rather than allowing by default. A general confidentiality agreement may not clearly address photographs or…

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Buying & Selling a BusinessUpdated August 2026

Is it risky to sign an LOI before I've had my own lawyer review it?

Yes, and this is one of the more common and entirely avoidable mistakes sellers make. Because the classic error with LOIs is misjudging which parts are…

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Buying & Selling a BusinessUpdated August 2026

Can I roll my shares into a holding company before I sell to defer tax?

This is generally the wrong tool for the outcome you're describing. A rollover under the federal Income Tax Act lets you transfer property — including…

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Buying & Selling a BusinessUpdated August 2026

Can I use a rollover to move my shares into a holding company even after I've already started negotiating a sale?

Mechanically, a rollover can still be filed after negotiations have begun, but doing it once a sale is already underway raises real concerns that doing…

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Buying & Selling a BusinessUpdated August 2026

Can I keep running my business normally while quietly exploring a sale?

Yes, and in most cases you should — there's no requirement to change how you operate the business simply because you're exploring a sale, and…

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Buying & Selling a BusinessUpdated August 2026

Can I get representations and warranties insurance on a small, owner-operated business sale?

It is possible, though the market for representations and warranties insurance in Canada has traditionally been more active on larger transactions, and…

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Buying & Selling a BusinessUpdated August 2026

If I buy R&W insurance, can I still sue the seller directly instead of claiming on the policy?

It depends on how the purchase agreement and the insurance policy are structured together, since this is a negotiated feature rather than an automatic…

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Buying & Selling a BusinessUpdated August 2026

Is buying representations and warranties insurance worth the cost on a smaller business sale?

There is no single answer, since this is genuinely a fact-specific cost-benefit question rather than something with a standard outcome across all…

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Buying & Selling a BusinessUpdated August 2026

What happens if a business sale collapses after I've already told my landlord and staff I'm moving?

Announcing a pending sale to a landlord or staff before it's actually finalized creates real practical exposure if the deal then falls through, since…

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Buying & Selling a BusinessUpdated August 2026

Can a sandbagging clause let me sue over a problem I suspected before closing but never confirmed?

It depends on how broadly the sandbagging clause is written. A "pro-sandbagging" clause lets a buyer bring an indemnity claim for a breach of a…

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Buying & Selling a BusinessUpdated August 2026

Can I still make the section 167 HST election if only some of the business assets are being sold?

Possibly, but it depends on what "some of the assets" actually means in your deal. The election under the Excise Tax Act is available where the buyer…

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Buying & Selling a BusinessUpdated August 2026

Does the section 22 election actually save me money, or just change who reports what?

It can genuinely change the tax result, not just shuffle paperwork between buyer and seller, when accounts receivable are sold as part of a business…

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Buying & Selling a BusinessUpdated August 2026

Can I use a section 85 rollover to defer tax on an asset sale, not just a share sale?

It can apply to a transfer of business assets, not only shares, but only in a specific setting: the rollover under the federal Income Tax Act defers…

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Buying & Selling a BusinessUpdated August 2026

What happens if secured creditors disagree about how to split the proceeds from a distressed sale?

This is a priority dispute among the creditors themselves, and it generally doesn't affect a buyer once a proper sale has closed. Ontario's personal…

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Buying & Selling a BusinessUpdated August 2026

Who's responsible if the security deposit with the landlord hasn't been transferred by closing?

This should be addressed directly in the lease assignment agreement or the purchase agreement itself — either the existing security deposit held by the…

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Buying & Selling a BusinessUpdated August 2026

Can I sell my accounting practice's client files the same way a law firm would?

The broad approach is similar, but the details are governed by a different regulator with its own expectations, so treating an accounting practice sale…

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Buying & Selling a BusinessUpdated August 2026

Can I sell my business gradually instead of all at once?

Yes — a gradual sale is a common structure in Ontario business sales, and it usually takes one of a few forms. You might sell a minority stake first…

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Buying & Selling a BusinessUpdated August 2026

Can I sell my business myself without paying anyone a commission?

Yes — nothing in Ontario law requires you to use a broker to sell your business, and finding your own buyer through your own network, direct outreach,…

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Buying & Selling a BusinessUpdated August 2026

Is it smarter to start selling during a strong year, or wait until things settle down?

A strong year is generally the better time to start a sale process, because buyers weigh recent performance heavily, and a business performing well…

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Buying & Selling a BusinessUpdated August 2026

Can I sell my franchise if my franchise agreement has already expired?

This depends heavily on what's actually happening at your location if the agreement has technically expired — whether you're operating under a renewed…

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Buying & Selling a BusinessUpdated August 2026

Can I sell my franchise territory separately from the physical location?

Generally, no, not as a matter of your own unilateral choice — most franchise agreements treat the territory and the location as bundled together as…

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Buying & Selling a BusinessUpdated August 2026

Can I still sell if I'm currently in default under my franchise agreement?

An existing default makes selling considerably harder, and it's a serious issue to resolve, or at least fully disclose, before approaching the…

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Buying & Selling a BusinessUpdated August 2026

Can I decide to sell just one location of my business and keep the others?

Yes, selling a single location while keeping the others is a common and workable structure, generally handled as a partial asset sale of that one…

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Buying & Selling a BusinessUpdated August 2026

Can I sell my law practice's client files without getting each client's consent first?

No, not as a general matter. Client files belong, in a real sense, to the client, and a lawyer's duty of confidentiality doesn't disappear just because…

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Buying & Selling a BusinessUpdated August 2026

Can I sell part of my business now and keep running the rest?

Yes, and this is a fairly common structure — selling a specific division, product line, or set of assets while keeping the rest of the business under…

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Buying & Selling a BusinessUpdated August 2026

Am I allowed to sell my shares for less than they're worth to keep it in the family?

Yes, you're generally free to sell your own shares for whatever price you choose, including well below fair market value — Ontario corporate law…

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Buying & Selling a BusinessUpdated August 2026

What happens if I sell shares to a buyer who then immediately winds up the company?

For a genuine, arm's-length sale, what the buyer chooses to do with the company afterward — including winding it up — generally doesn't reach back and…

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Buying & Selling a BusinessUpdated August 2026

Can I sell the business to one child and leave the others out entirely?

Yes. As the owner, you're generally free to decide who buys your shares or business assets, and there's no legal requirement to include all your…

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Buying & Selling a BusinessUpdated August 2026

Can I sell a veterinary practice's client records the same way as a medical practice?

The general approach is similar, though a veterinary practice is governed by its own college with its own expectations, so the two shouldn't be treated…

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Buying & Selling a BusinessUpdated August 2026

What happens if I discover the seller was already being sued by a customer before I bought the business?

Most purchase agreements require the seller to disclose pending or threatened litigation, so an undisclosed lawsuit that predates your purchase…

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Buying & Selling a BusinessUpdated August 2026

What happens if the seller can't produce a document they promised on closing day?

What happens depends on how important that specific document is to the deal. If it's a genuine closing condition — something the buyer is entitled to…

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Buying & Selling a BusinessUpdated August 2026

Can a seller carve out a side business they already run before agreeing to a non-compete?

Yes, and this is both a sensible and commonly used approach. A non-compete can, and generally should, expressly exclude a specific existing business or…

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Buying & Selling a BusinessUpdated August 2026

Can the seller change their mind on closing day after everything else is already signed?

Once the purchase agreement itself is signed and unconditional, a seller generally can't simply refuse to close because they've changed their mind —…

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Buying & Selling a BusinessUpdated August 2026

Can a seller insist on controlling the defence of a claim instead of letting me settle it myself?

Often yes for a third-party claim, though this is a negotiated feature of the indemnity procedure rather than an automatic right. Because the seller…

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Buying & Selling a BusinessUpdated August 2026

Can a seller demand the buyer indemnify them for things that happen after closing?

Yes. Indemnities in a business purchase and sale are not one-directional, and it is common for the purchase agreement to include a reciprocal indemnity…

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Buying & Selling a BusinessUpdated August 2026

Can a seller demand interest on a vendor take-back note if the buyer pays late?

Yes, if the note or purchase agreement includes a late-payment or default interest provision, since this is entirely a matter of what the parties…

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Buying & Selling a BusinessUpdated August 2026

Can a seller demand a share pledge as security instead of just a promissory note?

Yes. An unsecured promissory note leaves the seller as just another unsecured creditor if the buyer defaults, so it is common for sellers to negotiate…

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Buying & Selling a BusinessUpdated August 2026

Does the seller have to hand over supplier and customer contact lists on closing day itself?

Only if the purchase agreement actually says so. Contact lists, customer databases, and similar business records are commonly included among the…

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Buying & Selling a BusinessUpdated August 2026

Can a seller insist on being paid in full even if my financing falls through at the last minute?

It depends entirely on whether the purchase agreement includes a financing condition protecting the buyer, since there is no automatic right to walk…

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Buying & Selling a BusinessUpdated August 2026

Can I structure a deal so the seller keeps the accounts receivable but I take the rest?

Yes, this is a common carve-out in an asset purchase. Accounts receivable can simply be excluded from the assets you're buying, leaving the seller…

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Buying & Selling a BusinessUpdated August 2026

I just found out the seller lied about the numbers — what can I actually do now?

If the deal has already closed, your main route is generally an indemnity claim under the purchase agreement for breach of the seller's representations…

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Buying & Selling a BusinessUpdated August 2026

Is there a difference in my options if the seller lied on purpose versus just got the numbers wrong?

Yes, and it can matter significantly. An honest but inaccurate representation — a negligent or innocent misrepresentation — is typically addressed…

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Buying & Selling a BusinessUpdated August 2026

Can I do a share purchase if the seller never incorporated the business in the first place?

No — shares only exist for a corporation, so if the seller has been operating as a sole proprietor or an unincorporated partnership, there's no share…

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Buying & Selling a BusinessUpdated August 2026

What happens if I discover the seller never registered their software's IP properly?

It depends on what "never registered properly" actually means, since not all software intellectual property requires formal registration to exist.…

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Buying & Selling a BusinessUpdated August 2026

Can I recover money from a seller who structured the sale through a numbered company with no assets left?

This is a genuinely difficult scenario. Courts generally respect a corporation as a separate legal entity from the people behind it, and only look past…

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Buying & Selling a BusinessUpdated August 2026

Can a seller open a competing business under their spouse's name without breaching a non-compete?

Usually not, if the non-compete is drafted the way most are. Ontario purchase agreements typically restrict the seller from competing "directly or…

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Buying & Selling a BusinessUpdated August 2026

What happens if the seller keeps operating a similar business right next door after promising not to?

If the purchase agreement, or a related agreement, includes a valid non-competition covenant from the seller, operating a similar business nearby in…

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Buying & Selling a BusinessUpdated August 2026

Can a seller still be personally on the hook for debts after their company goes bankrupt?

Yes, often. A corporation's bankruptcy under federal insolvency law generally deals with the corporation's own debts, but it doesn't automatically…

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Buying & Selling a BusinessUpdated August 2026

What happens if I find the seller pledged the same equipment as collateral to two different lenders?

This raises both a priority problem and a misrepresentation problem, and they need to be looked at separately. On priority, Ontario's personal property…

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Buying & Selling a BusinessUpdated August 2026

What protections does a seller have against a buyer suppressing earnings during an earn-out?

A seller's protection here comes almost entirely from what is negotiated and written into the earn-out provisions before closing, rather than from any…

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Buying & Selling a BusinessUpdated August 2026

Can a seller push for a lower cap even on the fundamental representations?

Yes. There is no legal rule requiring fundamental representations to carry a higher, let alone unlimited, indemnity cap — that pattern is common market…

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Buying & Selling a BusinessUpdated August 2026

Can a seller refuse to accept any cap at all on their indemnity exposure?

Yes. Nothing in Ontario law requires an indemnity cap in a business purchase and sale, so a seller is free to refuse one, and some do, particularly…

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Buying & Selling a BusinessUpdated August 2026

Can a seller refuse to release escrowed funds even after the holdback period technically ends?

Generally no, if the escrow is properly structured, since release is not supposed to be within either party's unilateral control in the first place. In…

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Buying & Selling a BusinessUpdated August 2026

Can a seller refuse to subordinate their vendor take-back note to my bank loan?

Yes. Subordinating a vendor take-back note behind a buyer's bank loan is not required by law — it is a negotiated arrangement, usually documented in a…

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Buying & Selling a BusinessUpdated August 2026

What happens if the seller refuses to hand over logins and passwords after closing?

If delivering this kind of access was part of what the seller was required to hand over under the purchase agreement — commonly listed as a closing…

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Buying & Selling a BusinessUpdated August 2026

What happens if the seller refuses to help transition customer relationships as promised?

This depends on whether transition assistance was an actual contractual obligation — a specific covenant in the purchase agreement or a separate…

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Buying & Selling a BusinessUpdated August 2026

What happens if the seller refuses to sign over the domain name and social accounts after closing?

If the domain name and social media accounts were included among the purchased assets, or were the subject of an express post-closing transfer covenant…

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Buying & Selling a BusinessUpdated August 2026

Can a seller take the business back if a buyer stops paying on a vendor take-back note?

It depends entirely on what security the seller actually took at closing, not just on the promissory note itself. A vendor take-back note alone,…

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