It's tempting to just look at the answer from your perspective. It's better to broaden the picture. Who is your buyer? What are they willing to pay? Is the business attractive to a buyer? If a buyer comes along and they need finance, are you willing to provide seller finance? A business sells because there is a motivated seller who meets a motivated buyer and both parties know all the details about the transaction. The sale may include a lease transferring to the buyer, the buyer getting a third party loan such as an SBA loan which the lender completely controls. This is what I do. I help a motivated seller by valuing and then selling their businesses to a motivated buyer and I make sure everything is fully and completely disclosed so all parties are protected. I also assist the buyer getting an SBA loan if that is part of their need. Additionally and just as importantly, I protect the business by handling everything confidentially. If the business has employees, suppliers or vendors that it does business and it has customers, its important none of these know the business is for sale or it can damage the value of the business. In this model I've just described, the value of the business is a function of its gross revenue and SDE or Sellers Discretionary Earnings. If you'd like to chat I am happy to explain more. Thanks.