Business (or bulk sale) escrows and residential escrows have key differences:  Bulk sale escrows require Notices to Creditors informing the public of the pending sale, which allows claims for certain types of debts to made against the sale proceeds. These notices protect Buyers from creditors attempting to collect on any of the Seller’s outstanding debts.  State and county tax agencies examine every bulk sale escrow to collect any Seller’s unpaid taxes. These debts must be paid by escrow or directly by the Seller before the escrow can close.  There is no actual recording (at a county assessor’s office) of the change of ownership for any business transactions without real estate.  Title insurance is not a part of the escrow process for businesses without real estate.  A completely different set of state laws govern bulk sale escrows.  Bulk sale escrows are required on every California business sale that transfers any furniture, fixtures, and equipment (FF&E) or pays any taxes.