Buyers earn ownership by performing.
The seller keeps 100% of the equity until paid in full. The buyer runs the business against clear monthly targets, and OTBC manages the money in between.
The structure in plain English
Down payment
The buyer brings 10–40% down.
Monthly targets
The buyer must meet an agreed monthly EBITDA target.
Money control
OTBC manages disbursements with dual approvals, no checks or cash, and a full digital audit trail.
Bank accounts
Accounts stay in the seller's control until the seller is paid in full.
Balloon
Due at year 3, with an option to extend if both parties agree.
Limits on the buyer
The buyer runs day-to-day operations but cannot place liens on or bind the company beyond normal operations.
Missed targets
Three missed months in a row means removal from management.
Closing
When the buyer pays in full, 100% ownership transfers to the buyer.
Stay in control while the buyer performs.
The structure is designed to keep ownership, bank accounts and disbursement approvals with the seller until the seller is paid, and to require performance every month.
Every deal carries risk, and the structure does not remove it. Terms are set in a written agreement, and both parties should have their own attorney and CPA review it.
Buyer readiness
Before we start, buyers should be ready with:
- Proof of down payment
- Consent to a credit check
- Consent to a background check
- A current résumé
- StrengthsFinder results
Credit and background information is used only to qualify for the program, stored securely and never sold.