Ben Kelly Profile picture
Sep 10 9 tweets 2 min read Read on X
You don’t need $1M in the bank to buy a business.

You can find a Boomer who’s retiring, pair them with a buyer, and take a piece of the profits.

I call it “The Middleman Method.”

Here’s how it works:
It’s simple:

1. Find a business for sale
2. Structure creative financing
3. Take equity for putting the deal together
4. Never touch your own money

I did this with a utility drilling company ↓
My role was basically to find the deal and bring the buyer and financing together.

My team structured everything:

• Found the right people
• Handled financing
• Closed the deal
• Set meetings
Smart business owners know that middlemen always come out on top.

(Think stockbrokers, real estate agents, etc.)

Our reward for being the middleman?

10% equity in the company, which pays us $80k-120k/year.

$0 down.
One of my students, Alex, just did this with a medical practice (WAY harder, in theory).

Instead of buying it outright (which is illegal in most states), he:

• Created a management company
• Structured a joint venture
• Used seller financing
• Ran operations
Another student, Brittany, bought a weight loss clinic:

90% seller financing… 8-year term… 8% interest.

The previous owner only operated 3 days per week.

She doubled revenue by opening 6 days.
I talk a lot about using SBA loans to buy cashflowing businesses.

At the end of the day…

That’s the strategy that allowed me to quit my job at JP Morgan and “retire.”

With that said…
There are tons of creative ways to structure deals with:

• No personal guarantees
• More creative freedom
• Faster closing times
• Less risk exposure

You just need the right information.
Want to learn exactly how to find and buy boring businesses that run without you?

📲 DM me “Biz” and I'll show you how
🤝 Follow me → @‌benkellyone for more

Thanks for being here!

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More from @benkellyone

Sep 3
I'm 35.

I own 7 businesses (last year, they made $7,000,000+)

To spread the wealth...

Here’s the most in-depth training I've ever created on small business acquisition (my gift to you): Image
SMBmarket(.)com will be your best friend.

It has tons of listings for owners who are looking to sell their small businesses.

The listings will mention:

• SDE
• FF&E
• EBIDTA
Search for a business making $10K+/mo in cash flow & has been profitable for >5 years.

🔍 SMBmarket(.)com → Search: *Your Area* / Service Businesses → Price filter = $500k to $1M → More Filters → Cashflow = Min. $10k.
Read 15 tweets
Aug 25
The richest people in the U.S. aren’t building tech startups.

They’re buying car washes and laundromats using SBA loans.

Here are 11 boring businesses with the lowest failure rates in 2025: Image
1) Laundromats

~95% survive 5 years.

Consistent demand, coin-operated, minimal staff.

Profit margins: 30-35% thanks to self-service & upfront payment.
2) Self-Storage Facilities

~92% success after 5 years.

Low overhead, minimal staffing, highly scalable.

Average cash flow: $100/month per unit, fills gap with remote management.
Read 18 tweets
Aug 6
Boring income streams are the best.

You’d be foolish not to consider one of these lame but lucrative businesses (8 options):

1) Laundromat
2) Vending Machines
3) Self-Serve Car Wash
Read 12 tweets
Aug 4
Working at JP Morgan taught me one thing:

Owning beats earning.

If you want to set yourself financially free…

Steal these 7 wealth secrets from JP Morgan’s top 1% elites: Image
1) Assets > Income

The wealthy don't chase high salaries.

They buy assets that create passive income streams.

This is why I started buying small businesses instead of climbing the corporate ladder.
2) Other People's Money (OPM)

The rich rarely use their own cash.

They leverage financing like SBA loans to buy income-producing assets.

You can do this to buy businesses with little to $0 down.
Read 11 tweets
Jul 30
If I had $25k to invest…

I wouldn’t buy stocks.
I wouldn’t buy real estate.
I wouldn’t even buy Bitcoin.

I’d do exactly what my clients at JP Morgan did.

I’ll expose it for you:
As soon as I started at JP Morgan…

It became painfully obvious to me:

We were serving our clients because THEY were the ones with all the money.

So, what did they do?
They stole Private Equity’s playbook.

AKA…

- Buying small businesses
- Upgrading the operations
- Pocketing all the cash flow

I wanted in.
Read 16 tweets
Jul 25
I only invest in timeless, boring businesses.

Why?

Because I want profit, not headaches.

Here are the 8 best options (2025): Image
1) Storage Facilities

I can't imagine a world where people stop collecting unnecessary stuff.

Storage is a super simple model:

• Automated access systems
• Little daily management
• Recurring payments

That's a win in my book.
2) Laundromats

Sure, you might have to go pick up your coins and cash every day.

But that's a problem I'm okay with.

People are always going to need to wash their clothes, no matter what.

Good locations crush it.
Read 12 tweets

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