I help seasoned corporate employees, veterans, women, POC, LGBTQ+ buy businesses so they advance from passed over to empowered ✦ Crafting comeback stories for the unsung heroes ✦ Fueled by God, grit and grace

Deb Curtis

Curtis Small Business Finance Solutions, LLC dba Deb Curtis

Entrepreneurship Through Acquisition (ETA) ⧽ I help 6-figure high earners acquire proven profitable businesses sourcing best bank loan approval backed by the SBA ⧽ Founder, Women-Owned Business ⧽ Driven by God, Grit and Grace

Founder, SBA Business Acquisition Lending Consultant

Business Buying Banter - No BS

Founding Member, Livestream Co-Host

Entreprenista

As women in business, our days are filled with challenges. From developing and implementing a solid marketing strategy to gaining the financial backing your business needs (not to mention the domestic burdens that often fall on women), it’s common for women to feel overwhelmed and alone on their journey.

Founding Member

hr-4uinc.

We are on a mission to remove the roadblocks that prevent people from finding living wage employment.

Partner

Dogwood State Bank Small Business Lending

VP, SBA Business Acquisition Lending Specialist

Fund-Ex Solutions Group

Senior SBA Business Development Officer 

Harvest

SBA Business Development Officer

Wells Fargo

VP, Business Development Officer | SBA Business Acquisition Lender

Johnson Financial Group

VP, Commercial Relationship Manager | SBA & Conventional Commercial Lender

Associated Bank

VP, Senior Bank Manager | SBA & Conventional Small Business Lender

Funding for Business Buyers ❱ You can't waste time under an LOI ❱ Sourcing best bank loan project, backed by the SBA

Heading to LOI - Letter of Intent to buy a business?  Need funding?  

3-step SBA funding process.  

𝗦𝘁𝗲𝗽 𝟭:  Provide Deb short list of buy-side and seller-side docs for review.

𝗦𝘁𝗲𝗽 𝟮:  Deb will source the best bank SBA loan project based on the deal's merits and deliver the proposal.  

𝗦𝘁𝗲𝗽 𝟯:  Obtain bank final commitment letter, clear conditions, and close.    

SBA loans: Your business buying key to funding. Yet, complex.

Banks' credit policies and industry appetites change weekly.  

SBA lending's landscape changes. Newcomers learn, and experts are retiring.  

Bank SBA loan shops fluctuate. Some rise, approving everything, and then fall.

Your winning strategy:

Seek a Business Buyer Ally protecting your interests.  

My core values center on integrity, transparency, and prioritizing the needs of business buyers to ensure their success. 

This commitment fosters long-term relationships, encouraging my clients to return and expand their business portfolios by acquiring and financing second, third, and even fourth businesses.

Let's journey to your successful business buy.

DM 'Source my Funds' now.

𝗗𝗲𝗯 𝗖𝘂𝗿𝘁𝗶𝘀 | 𝗙𝗼𝘂𝗻𝗱𝗲𝗿 & 𝗖𝗘𝗢 
SBA Business Acquisition Loan Consultant
Business Buyers Ally
deb@debcurtis.com
debcurtis.com

Dive into your business purchase without a reliable funding business buyer ally? 

It's like wandering into a bear cave dressed as a honey pot.

Not exactly the attention you want.

Beware, the market today is ravenous.

The Silver Tsunami unveils a goldmine of baby-boomer small businesses ripe for acquisition.

Stay vigilant.

#sba 
#buyingabusiness 
#entrepreneurship 
#smallbusinessownership 

Heading to LOI or got one? Need quick SBA-backed funding?

Unlock business buying. Choose precision over chance.

Your FUNDING guide awaits.

Choose certainty. Leave luck behind.

SBA loans: Your key. Yet, complex.

Banks differ. Their SBA loan criteria shift.

SBA lending's landscape changes. Newcomers learn, experts leave.

Loan shops fluctuate. Some falter.

Your winning strategy:

Seek a pro. Find the right bank with an expert.

With me steering, navigate SBA changes confidently.

Let's journey to your business buy.

Ready for a 3-step SBA business acquisition loan approval?

DM 'Let's Talk' now.

𝗗𝗲𝗯 𝗖𝘂𝗿𝘁𝗶𝘀 | 𝗙𝗼𝘂𝗻𝗱𝗲𝗿 & 𝗖𝗘𝗢 
SBA Business Acquisition Loan Consultant
deb@debcurtis.com
debcurtis.com

LinkedIn 𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿 𝗔𝗹𝗲𝗿𝘁: 𝗗𝗲𝗮𝗿 𝗗𝗲𝗯, 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝟱𝟲

In this latest edition, we're exploring the transformative power of Rollovers for Business Startups (ROBS) and established businesses.  

Discover how leveraging your retirement funds can catapult your business forward without the drag of debt or tax penalties. 

From immediate capital access to building a debt-free venture, learn how ROBS could be the game-changer you've been searching for.

Inside, you'll find:
→ Success stories from peers
→ Expert ROBS navigation tips
→ Partnering tips for max benefits

Make sure to unlock the potential within your retirement fund to fuel your business dreams. Jump in now!

#ROBS
#DearDeb 
#UnlockPotential
#BusinessFunding 

Deb Curtis on LinkedIn • 3 min read

Quick Funds for Entrepreneurs

Buying a small business backed by the SBA is exciting!

But it's easy to get sidetracked by the fun stuff:

— Choosing a name
— Picking logo colors
— Getting all emotional 

Reality check.  

Running a small business is hard!

And, yes...

Even if they say, you can buy a boring business...

...it can be hard as fast as a squirrel in a nut factory on payday.

Wake up people.

Business Plan accordingly. 

Before the loan's fate is sealed, 

your SBA bank underwriter gives your business plan the ultimate test.

Dear Deb bringing you 'Biz Buyers Ally' insights in this LinkedIn newsletter edition.

#sba
#deardeb
#bizbuyersally
#entrepreneurship  

Navigating SBA-Backed Business Purchases with a Bulletproof Plan

Dive into the latest #DearDeb for an insider's guide to small business asset purchases and blue-sky financing.  

Unlock the secrets to protected business buying while securing and protecting your future.  

#sba
#buyabusiness 
#entrepreneurship 

Biz Asset Sale Purchase

The dark side of social media.

Posts tempting us to buy, buy, buy.
Beautiful photos, perfect lives.
Get rich quick schemes.

We know it's edited.
We know it's curated.
But it still affects us more than we'd like.

Pause.

Ponder.

Trust your gut.

The weekend is here. 

Take a break and listen to your heart.

When we are offline, we:

- relax
- get inspired
- learn something new
- connect with loved ones

These moments make us truly happy...

...not the "likes" or "followers."

So, take time to disconnect.

Think about what makes YOU happy.

And remember, not everything online is as beautiful as it seems.

Peace.

How can relaxation improve our well-being?

What are the benefits and drawbacks of social media?

Why is it important to trust our instincts?

The new edition of Dear Deb is here! 

Dive into this week's newsletter for the latest insights and actionable advice for business buyers.  

#Repost #DearDeb 

Funding for Business Buyers: Ethical & Transparent Solutions ❱ You can't waste time under an LOI ❱ Sourcing best bank loan project backed by the SBA

What are some tips for business buyers from Dear Deb?

How important is Dear Deb for business buyers?

Buying a small business is a big deal. Here's how you can get ready: Know Why You Want to Buy: ↳ Think about why you want to own a business. Make sure

Open article: Think It Through by Deb Curtis • 2 min read

Unlock the secret to optimizing your SBA-backed business purchase with the right equity injections. 

Check out the carousel below of the most common sources used today. 

This knowledge will enhance your financing strategy, allowing the flexibility to mix and match these sources to meet the standard 10% down payment requirement.

Investor funds are also a viable source of equity injection.  

However, they often come with 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗔𝗴𝗿𝗲𝗲𝗺𝗲𝗻𝘁𝘀 (𝗠𝗦𝗔) that include specific conditions the borrower must meet.  

Most often, some conditions are not eligible per the SBA SOP.  

Are you and the bank lender comfortable with the specific conditions that must be met?  

Typical Conditions Included in Investor MSAs:

𝟭.  𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗢𝘃𝗲𝗿𝘀𝗶𝗴𝗵𝘁: 
Investors may require input on business operations to protect their investment.

𝟮.  𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴: 
Regular and detailed financial disclosures to keep investors informed.

𝟯.  𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗠𝗶𝗹𝗲𝘀𝘁𝗼𝗻𝗲𝘀: 
Achievement of specific business goals within set timelines, including the investor requiring a percentage of profits.

𝟰. 𝗘𝘅𝗽𝗲𝗻𝘀𝗲 𝗣𝗿𝗶𝘃𝗶𝗹𝗲𝗴𝗲𝘀: 
Allowance for investors to expense items such as meals, vacations, vehicles, and travel as part of their involvement.

𝟱.  𝗥𝗲𝘀𝘁𝗿𝗶𝗰𝘁𝗶𝗼𝗻𝘀 𝗼𝗻 𝗔𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗗𝗲𝗯𝘁: 
Limitations on incurring new debt that could jeopardize the investor's position.

𝟲.  𝗘𝘅𝗶𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀: 
Provisions for the investor to exit the investment, including buyout terms or sale conditions.

These conditions must not impose additional repayment obligations or reduce the business's cash flow in ways that conflict with SBA loan requirements.

Not all banks have the same risk appetite and credit policies. 

Partnering with an experienced business acquisition loan consultant who understands the SBA SOP can give you a significant advantage. 

They can quickly navigate between various preferred SBA lenders to secure the necessary funding.

If you're heading toward an LOI—Letter of Intent and need guidance navigating these complex funding source waters, let's talk.  

Click 𝗕𝗼𝗼𝗸 𝗮𝗻 𝗔𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 at the top of my profile.

-Deb

#SBA
#EquityInjection
#BusinessBuyers 
#Entrepreneurship 

What are the benefits of working with a business acquisition loan consultant?

What are the benefits of equity injections?

What are the specific conditions that come with investor funds?

Common Equity Injection Sources

"Can't help you" should not be in the vocabulary for some business bankers. 
 
 
It's not their fault. 
 
Their bank credit policy is unwilling to finance uncollateralized business acquisitions, even with the SBA.   
 
Too much risk. 
 
No problem. 
 
Think of solutions.   
 
Instead of saying "no" due to the bank's loan rules, say,  
 
"I know someone who can help you." 
 
I'm Deb Curtis. 
 
I source bank funding for business buyers backed by the SBA.   
 
Not all banks are created equal. 
 
Flip every 'can't help you' into 'I know someone who can.'  
 
#sba 
#bizbuyersally 
#smallbusiness 
#entrepreneurship  


Let's talk about "get-rich-quick" schemes.

The internet is overflowing with "experts" who claim to teach you business buying in 15 days 𝘄𝗶𝘁𝗵 𝗻𝗼 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲.

Sure, it's a tempting proposition.

But if you really believe you can master entrepreneurship in just two weeks, 
then I've got some oceanfront property in Arizona to sell you.

The truth is that building wealth and freedom through business acquisition is hard work.

It takes time, effort, and a lot of trial and error.
There's no quick fix, no shortcut.

The only people truly profiting from these scams are the ones selling them.

So, let's wake up and smell the coffee.

If you want to buy and build a successful business, be prepared to put in blood, sweat, and tears.

It won't be easy, but it'll be worth it

It's disappointing that this post received 271 likes within the first hour of being shared on another social platform.

This is the 💩 that's going viral.  

Please.

---

Mark Csordos offers ethical, transparent consulting services to folks who want to scale, buy, or sell laundromat businesses.

Any additional feedback to this post, Mark?  

#onlinescam
#entrepreneurship
#businessbuyersally
#businessbuyerbeware
  
Pick up #1 Best Selling Author, Mark Csordas, recently published book, The Laundromat Bible, here:  https://lnkd.in/ee-3eskn 

Funding for Business Buyers ❱ You can't waste time under an LOI ❱ Connecting buyers with top SBA loan approvals for business ownership changes ❱ Kickstarting projects from $500K on up

How can one scale, buy, or sell laundromat businesses?

How can one build wealth through business acquisition?

What are some tips for successful entrepreneurship?

Your gut is your biggest business asset. 
 
But how do you know when to trust it? 
 
Sometimes it's that subtle feeling. 
Other times it's a full-blown panic attack. 
 
But either way, it’s a sign that something's not right. 
 
I know you're flooded with advice, and it can be overwhelming. 
 
The thing is, people want to tell you what to do. 
 The thing is, people want to refer you to others.   
 
They’re wired for it.  Because most often a cash incentive is earned for it.   
 
But when push comes to shove, if you're the one owning the bottom line, why let someone else make your decisions? 
 
Trust your gut. 
 
It's the one thing that sets you apart as a small business owner. 
 
The one thing that can make all the difference. 
 
And if you need a nudge, just remember this: 
 
Your gut feeling is always right.  
 
It's your ability to listen to it that often fails.

How can small business owners learn to trust their instincts?

What are some common challenges faced by small business owners?

How do cash incentives impact decision-making in business?

No alternative text description for this image

The startling '94% statistic' every aspiring business buyer should know. 
 
You search, you inquire, and then you get stuck. 
 
You're not alone. 
 
94% of small business searchers looking to acquire never buy one. 
 
Why? 
 
Well, the fact:  the blind are leading the blind. 
 
Business buyers don't know what they don't know.   
 
It costs them big time. 
 
Worst of all, not all banks have equal credit policies. 
 
Not every bank agrees with the new SBA SOP changes.   
 
Not every purchase finance will go as planned. 
 
But there's hope. 
 
Partnering with a seasoned SBA business acquisition loan consultant.   
 
The most recent funds I sourced for a buyer under LOI started with three banks saying "not interested"... 
 
...to the 4th bank saying YES.   
 
Don't give up. There's always a way. 
 
Find the right people who know what you don't know. 
 
This is the secret to driving success in business acquisition. 
 
#SBA 
#LoanConsultant 
#Entrepreneurship  
#BusinessAcquisition

You're searching for a small business to buy.

Before you massively dial, email, and snail mail every business broker and SMB owner with your search, heed this.

You're clueless about:

->  SBA eligibility requirements
->  Feasible industry aspirations 
->  Personal guarantor qualifications 

Stop wasting time. 

You need to understand the source of your funds BEFORE THE SEARCH.

Business buyer prequalification is the key to a successful business acquisition.

It shows brokers and sellers you're serious and financially adept.

It clarifies affordability.

Before bombarding people's inboxes, mailboxes, and voicemails, remember: 

Knowledge is power.  

Buyer prequalification is your speed pass to the negotiation table.

DM 'prequal me'. 

#SBA
#BizBuyersAlly 
#BusinessBuyers
#Entrepreneurship 

Why is business buyer prequalification important?

It's LOI Time

Are you sitting on a pile of 401k and IRA accounts?

It's time to put that money to work!

You can avoid taxes and penalties by consolidating them into a ROBS account for business.

But what can you do with all that cash?

Here are five things people do with their ROBS account:

1. Create working capital
2. Purchase biz equipment
3. Invest in commercial real estate
4. Start a new business from scratch
5. Purchase an existing business or expand

That's the beauty of the ROBS account.

Your business, your funds, your rules.

Don't just let your retirement funds sit there.

Put them to use and start building your business today!

Want to "lunch-n-learn" more about ROBS strategies?  

DIAL IN with DEB introduces you to Suzy Granger with Guidant Financial on Wednesday, April 10th, 2024, at 12 pm CST.

Register here: https://lnkd.in/gDXA78Tj

#ROBS 
#TaxFree
#WorkingCapital
#BuySmallBusiness
#InvestInCommercialRealEstate

How a mother-in-law and son bought a $3.5M established, profitable business with a $350k downpayment and bank financing backed by the SBA.  

It sounds too good to be true, right?

But, what if I told you that you could use your 401k and IRA's tax-free to invest in your dream business acquisition?

Thanks to the IRS-approved ROBS (Rollover for Business Startups) program backed by the SBA, you can.

This family combined their former 401k and IRA's utilizing ROBS strategy to buy a successful $3.5M business:

❶ They formed a new C-corporation.
❷ This new corporation then established a 401k plan.
❸ They rolled over their previous retirement funds tax-free into their new 401k.
❹ Their 401k then bought the shares of the newly formed corporation.
❺ The corporation used the 401k funds to make the purchase.

The result?

A successful family-owned business with a growing 401k.

So, don't let lack of funding hold you back from your dreams. 

With the ROBS strategy, you can unlock the door to your future.

Join DIAL IN with Deb on April 10th at 12pm CST via LinkedIn Audio for a ROBS Lunch-N-Learn with Suzy Granger, ROBS Expert with Guidant Financial.

Register here:  https://lnkd.in/gDXA78Tj 

P.S. 
The term ROBS stands for Rollover For Business Startups. But it's not just for starting a new business. 

ROBS can be used for many things, such as buying an existing business, down payment to purchase finance an existing business, getting money to help your current business, buying equipment, or purchasing real estate for your business.

#SBA
#ROBS
#WorkingCapital
#BusinessBuyers
#BusinessAcquisition

Beware of the "Absentee Owned" small business listing trap. 
 
It's not a pre-packaged path to wealth and freedom - it's hands-on. 
 
Think you can balance your W2 sales job AND a $2M SBA-backed business acquisition?  
 
Think again.  
 
You think it’s simple. You imagine your business thriving as you keep your day job.  
 
Reality check: It's tough.  
 
Key employee quits? Your role changes overnight.  
 
Thought you could sit back and watch the money roll in.  
 
I bet they told you so. 
 
The boss is on your case, your W2 is on the line, and your 'absentee-owned' business is plummeting.  
 
An 'absentee-truth-bomb' is what you were sold. 
 
I've seen it happen. 
 
Don’t be fooled.  
 
Just because a business listing is marketed as 'absentee-owned', doesn't mean it's true.  
 
The risk? Key employees leaving.  
 
And when that key employee abruptly quits - can you repair that equipment yourself?  
 
Hiring an hourly skilled repair technician, if you can find one in today's market, could bleed your business cash flow dry, jeopardizing your SBA loan payment.   
 
My advice:  
 
Forget the 'passive boring income' myth.  
 
Do your homework. Dive deep into the operations before you buy.  
 
In business acquisition deals, the devil’s in the details.   
 
Exactly why you need a buy-side team to raise the flag for your best interests.   
 
#SBA 
#BizBuyersAlly 
#Entrepreneurship 
#BusinessBuyerConsultant

How can I manage cash flow in a small business?

Think you can handle the post-acquisition challenges of buying a small business without implementing strategies?

Think again.

Even with intelligent buyers, there's always something unexpected.

But what if a buyer and seller don't build a trusted relationship before closing?

Then you're in for a wild ride!

Transitioning is hard enough.  

Without a foundation of trust and communication, it's a nightmare.

So what's a buyer to do?

- Build a rapport with the seller
- Research, research, research
- Don't let emotions overrule logic
- Make a list of questions and concerns
- Get a 2nd opinion from a trusted buy-side source 

A successful transition starts with smart, informed decisions.

Some brokers and SBA lenders won't want to hear this, but...

...when in doubt, delay the closing until you've got all your ducks in a row.

Some people are driven to push by personal incentives gained when your SBA loan closes.

This is your bus.  Remember that.

You're the driver.  Drive it.  

Create a successful ownership transition because your business and future livelihood will falter if it fails.  

Invest the time, energy, and resources early on.

I promise you'll thank yourself later.

Join Business Buying Banter - No BS via LinkedIn Live streaming today at 2pm EST as we tackle owner transition: https://lnkd.in/gjytaRDD

Can't make the Live stream?  

✅ Follow Business Buying Banter - No BS LinkedIn business page.  
✅ Subscribe to BBB YouTube channel with link in the comments below.  

We aim to make you a smart, protected, successful buyer.  

Inspired by @bizbuyersally 
-Deb

In a digital world where credibility is currency, some choose a shortcut to success. 

They are the vultures waiting to feast on opportunities.  

Their tool of trade? 

Paid-for, bogus 5-Star Google reviews.

If you get sucked into buying from that business, you're bound to lose eventually. 

Where opportunities bloom, online vultures loom.  

Don't fall prey.  

I invite you to share your thoughts. 

What do you see online that we need to beware of?

#FakeReviews
#BuyerBeware
#ProtectYourFuture

What are some common online scams to watch out for?

The secret weapon of entrepreneurship? 
 
Seasoned corporate employees. 
 
Why? 
 
Because they have the skills and experience to: 
 
1. Run a business 
2. Overcome obstacles 
3. Manage people 
4. Understand finances 
 
Plus, they understand the power of networking. 
 
They have contacts who can help them when they need it. 
 
So, if you're a corporate employee thinking about becoming an entrepreneur... 
 
Don't be afraid to leap. 
 
You have the skills and experience to succeed. 
 
All you need is a little bit of grit and grace. 
 
And when you're ready to take the next step,  
 
I'll be here to help.

What skills do corporate employees possess that make them successful entrepreneurs?

How important is networking for entrepreneurs?

The Top 5 Mistakes Business Buyers Make Before Making An Offer 
 
(And How To Avoid Them) 
 
 
𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟭 - Falling in love with the business 
 
Your heart belongs to the actual numbers, not the sad seller story.  Don't get emotionally attached - just do your due diligence. 
 
𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟮 - Listening to sell-side team referral recommendations. 
 
There's a reason there are two sides to a transaction. Stay in your lane.  Engage and listen to a buy-side team to protect your best interests 
 
𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟯 - Overestimating your post-sale earnings 
 
Be conservative when forecasting your future earnings. You don't want to end up in a financial hole. 
 
𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟰 - Not understanding the acquisition process 
 
Buying a business is more than a handshake and a check. Understand the process from offers to closing.  
 
𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟱 - Not seeking legal and financial advice 
 
Don't be penny-wise, pound-foolish. Engage buy-side professionals to help with your acquisition's financial and legal aspects. 
 
𝘿𝙤𝙣'𝙩 𝙡𝙚𝙩 𝙩𝙝𝙚𝙨𝙚 𝙢𝙞𝙨𝙩𝙖𝙠𝙚𝙨 𝙘𝙤𝙨𝙩 𝙮𝙤𝙪.  
 
Remember: successful acquisitions depend on careful preparation, clear thinking, and a commitment to thorough research. 
 
#SBA 
#BusinessBuyer 
#Entrepreneurship  
#BusinessBuyersAlly 

How important is seeking financial and legal advice in business acquisitions?

What are some best practices for conducting due diligence in business acquisitions?

What is the role of a buy-side team in business acquisitions?

Selling your small business isn't easy. 
 
But one thing can make it easier: 
 
- Make your business attractive to buyers. 
- Make your business financeable. 
 
Ask yourself: "Would I buy my business?" 
 
Take off your rose-colored glasses and be brutally honest with yourself. 
 
If it's a full-time job, a buyer won't touch it. 
 
But here's the hard truth: if you're the only person who can maintain your business, it's not worth much. 
 
Eligible SMB buyers are not looking to buy a job.   
 
They can apply for one for free on Indeed.   
 
Planning to successfully sell your business for a buyer's interest is not an overnight success.   
 
It takes time to build intangible value. 
 
- Delegate 
- Automate 
- Hire better 
- Systematize 
- Take on less work 
 
Build your business by focusing on 1% better daily.   
 
Quality stacks up over time.  
 
Consistent year-over-year improvement creates undeniable value.  
 
Make your business the trophy listing every qualified buyer is trying to take home. 
 
#SBA 
#ExitPlanning 
#Entrepreneurship 
#BusinessAcquisition

Why is consistent year-over-year improvement important for creating value?

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