Using "Buy Now, Pay Later" to Buy a Business

Did you know you can buy a profitable business using "Buy Now, Pay Later"? Smart Investors are doing it... now it's your turn! Subscribe for more Smart Money Moves! Buy Now Pay Later (BNPL) has taken over—whether it's Afterpay, Klarna, Affirm, or that tempting “Pay in 4” button at checkout. But here's a twist: instead of using BNPL to buy things that lose value, what if you flipped the game and used the same concept to buy a cash-flowing small business? I’m breaking down how 100% seller financing works (aka the business world’s version of BNPL) and how entrepreneurs—yes, even without upfront capital—are using this “installment loan” structure to own boring businesses that bring in real profits. From cleaning services to HVAC companies, these overlooked businesses are minting money while most people are still stuck in the cycle of debt. In this video, I’ll show you where to find seller-financed businesses (like on BizBuySell, Flippa, and Acquire.com), how to run the numbers, and why more people—including private equity pros like Codie Sanchez and Alex Hormozi—are skipping the startup struggle and going straight to acquisition. If you're chasing passive income, financial freedom, or you’re tired of the BNPL trap, this is your sign. Stop buying depreciating stuff. Start owning appreciating assets. Whether you’re thinking about SBA financing, seller notes, or ETA (Entrepreneurship Through Acquisition), this is your Smart Money Move. Chapters: 0:00 Buy a Business Using BNPL 1:27 History of BNPL and Silver Tsunami 4:28 What is Seller Financing? 5:58 Buy a Boba Tea Business Using BNPL 7:50 Buy a Laundromat Using BNPL 11:40 Why Would Someone Offer Seller Financing? Bio: Kenny Finance is an investor, entrepreneur, and personal finance creator with nearly a decade of experience on Wall Street at firms like Morgan Stanley, Blackstone, and KKR. His channel is dedicated to breaking down wealth-building strategies, smart investing principles, and the financial playbook used by the world’s most successful investors. With a focus on making complex financial topics simple and actionable, Kenny helps viewers take control of their money, grow their net worth, and make informed financial decisions. Whether it’s navigating the stock market, buying businesses, or optimizing personal finances, his content delivers expert insights designed for long-term success. Free resources: 1. Budget Template: It's free and super easy to use http://www.kennyfinance.com/budgettracker 2. Newsletter: It's free and packed with insights on markets, tech and businesses https://tomorrowsfortune.beehiiv.com/subscribe I'm down to be friends so you can find me on these: Instagram: https://www.instagram.com/iamkennyfinance X: https://twitter.com/iamkennyfinance TikTok: https://www.tiktok.com/@iamkennyfinance Sponsorships: brands@kennyfinance.com Disclaimer: The content presented in this video is for informational purposes only and should not be construed as investment advice. Viewers should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions. If you want formal financial advice... go read a Warren Buffett book