Business purchases are usually funded through a combination of the buyer’s own capital, seller financing, and third-party lending. The right mix depends on your financial situation, the nature of the business, and current market conditions. Canada Small Business Financing Program (CSBFP) loans are commonly used, along with personal retirement funds. Many buyers aren’t aware that they can access funds from accounts like RRSPs, LIRAs, or pension plans—without penalties in certain structures—to invest in a business. To learn more about these financing options, including RRSP business funding strategies, reach out to us and one of our agents will guide you.