No. In today’s market, sellers either have to be willing to provide some financing or the business should be capable of obtaining a commercial loan for part of the purchase price. It is common for the purchase to be made using a combination of money from the buyer, financing from the seller, money from an investor group, and a commercial loan. When considering how much cash you have to put into the purchase of a business, remember that you need to retain some to cover necessary operating expenses during the transition.