Brokers will charge a few. Similar to buying points on real estate. That equates to more money that basically goes to the broker for… brokering the deal.
Better option, Come up with the funds on your own however possible. But if and when you do, you have to be extra sure about what you are purchasing and getting into. You want to purchase a money maker not a money pit. Once you do it is on you to make it trend and keep in in the right direction. Not doing this or missing the mark and you will end up in financial ruin with no business, lost $, and or more debt.
Seller financing is another fair option. They’re out there but can be a little illusive at times. Keep in mind that just because on seller says no one day / month that he / she will not change their mind. Life happens. I’ve know several business owners that would “never” sell that are now doing so. Baby boomer generation is in high gear. From a timing perspective, said timing is on your side due to baby boomer generation retiring, the pandemic, economy, current situation. Think about it? How many folks or business owners have you spoken to lately or had general conversations with where they are tired of not being able to find people that are willing to work? I know of at least half a dozen (different businesses) that are burnt out discouraged and now ready to sell or do something else. Timing is key. Just be sure to keep in mind that there experiences (i.e. people not wanting to work) will be your experiences as well. You have to have a plan.