Trustmark Mergers + Acquisitions
/ Free tool · Buyer Readiness

Are you ready to buy a business?

A good listing draws hundreds of inquiries. This scorecard shows how a broker would assess your readiness, and exactly what you need to fix to be positioned in the best light.

Score your readiness → 8 questions · about 3 minutes · no financials required
Financial Capacity Question 1 of 8

How much capital do you have ready for a down payment?

Many SBA acquisition loans require 10% or more down from the buyer.

Tap an answer to begin. You'll pick up right where you left off. 8 questions, about 3 minutes.

/ How brokers read buyers

How you appear to business brokers.

Prepared buyers have a competitive edge, because many buyers are not well qualified or have not given careful consideration to how they appear to a business broker.

01

Financial Capacity

Heaviest factor

Whether you can actually fund the deal: capital for a down payment and a credible path to financing. It is the first thing a broker checks, and the first place unprepared buyers get filtered out.

SBA loans typically require 10% or more down. A lender prequalification is an important tool that can demonstrate your financial readiness and seriousness to buy a business.

02

Deal Clarity

Supporting

Having a clear understanding of the type of business that you want to buy, and what size range, that most closely aligns with your background.

Sellers and brokers trust a buyer who knows what they want.

03

Background

Supporting

Whether your background and skills line up with the business you are inquiring about, and whether you could credibly run it.

It is important for sellers, brokers, and lenders to make sure that a buyer’s background aligns with the business. The closer your background aligns with the skills required for the business, the more credible you are to the broker, the banker, and the seller.

04

Preparation

Second heaviest

Whether you understand how an acquisition actually transpires, from a nondisclosure agreement to a letter of intent to due diligence to earnest money deposits, and whether you have the right people to support you.

Preparation is what lets a deal move once you find the right business. Having an understanding of the steps involved in buying a business is important knowledge that can give you a competitive edge.

05

Commitment & Timeline

Supporting

How serious and focused your search is: whether you have a realistic timeline to close, and a short list of businesses you are pursuing rather than a wide net.

Serious buyers pursue one business at a time. A clear transaction timeline and a narrow focus on businesses that fit your finances and your skills signal to a broker that you are a serious contender.

/ How to read your score

A 0–100 score, and what each category means.

The number is how a broker would read your readiness today, and the written breakdown tells you the fastest way to move up within a given category.

Score your readiness →
78–100
Deal-ready buyer

You are seen as a serious buyer prospect. The work now is finding the right business.

60–77
Nearly there

A couple of specifics need to be locked down, often a prequalification. But generally, you are competitive.

45–59
Getting prepared

Your buyer readiness is close, but you are not yet positioned for success given other buyers who may be better prepared. The foundation is there, but there is still work to be done.

Below 45
Early in the process

You can still inquire, and we will add you to our buyer list. But it is important to be seen as a serious buyer, and there is more work to be done first.

/ How it works

Three minutes, then a clear next step.

01

Answer 8 questions

Five short sections, about three minutes. Your capacity, your target, your background, your preparation, and your timeline.

02

See your readiness score

A 0–100 score across the five things a broker weighs, so you can see exactly how a seller and a broker perceive your readiness.

03

Get your assessment

A breakdown by email, with your weakest area flagged and the concrete next step to fix it.

/ Go deeper
/ Common questions

About the scorecard.

What do sellers and brokers look for in a buyer?

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Five things. That you can fund the deal. That you know what you want and why you fit it. That you understand the process and have a deal team. That your background aligns with the skills required to run the business. And that your search is serious and focused. Brokers run a screening process precisely to separate those buyers from the many who are not ready. This scorecard shows you how you would rank against that screen.

Why do brokers screen buyers so hard?

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A good listing can draw hundreds of inquiries, and only a fraction are well qualified and ready to buy a business. The broker’s job is to bring the seller the most serious buyers, not tire-kickers. If you have inquired and have not advanced in the screening process, it could be that you are just not fully prepared yet.

Do I need financing lined up before I inquire?

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A lender prequalification is an important first step to be taken seriously with brokers and sellers. If you are not prequalified with a particular lender, the broker may have lending sources at their disposal. What matters more is having enough liquidity in your finances to afford a down payment for a business, and working capital to get you through the transition of business ownership.

How long does it take?

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About three minutes. Eight multiple-choice questions across five short sections. No financial details required.

What if I score low?

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Some steps clearly need to be taken to position you in the most favorable light to a seller, a broker, and a banker.

See how you score in three minutes.

Then get on our buyer list, so the right listings reach you first. We work with serious, prepared buyers across the Carolinas and nationwide.