In most small businesses, the owner is generally willing to finance part of purchase price, which may be as high as 30%. If the buyer puts up real estate collateral security, the financing may be higher. When you are buying a running profitable business, take your business plan and business performance to SBA lenders. Even though they ask for serious securities, they will work with you for financing the business. Remember, you will always need working capital and cash infusion into the business to grow and expand. This is where SBA loan guarantees will come handy to you.