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Owner Retention in Business Acquisitions: Strategies and Considerations

Updated June 18, 2026

When acquiring a business with two owners, it’s not uncommon to encounter a situation where one owner wants to sell while another prefers to stay

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When acquiring a business with two owners, it’s not uncommon to encounter a situation where one owner wants to sell while another prefers to stay on. This scenario presents unique challenges and opportunities. In this comprehensive article, we will explore the intricacies of navigating such situations, drawing on insights shared by experienced professionals in the M&A field. By the end of this article, you’ll have a thorough understanding of how to assess the value of a staying owner, structure deals that benefit both parties, manage transitions, and overcome common challenges.

Assessing the Owner’s Value and Compatibility

The first step in dealing with an owner who wants to stay is to assess their value and compatibility with your vision for the business.

Understanding the Owner’s Value

It’s crucial to determine what value the staying owner brings to the business. This can include their relationships with clients and suppliers, their industry expertise, and their role in the company’s day-to-day operations. Here are some key considerations:

  • Client and Supplier Relationships: Does the staying owner have strong relationships with key clients or suppliers that are essential to the business?
  • Industry Expertise: Does the owner possess unique industry knowledge or skills that are difficult to replace?
  • Operational Role: How critical is the owner’s role in the daily operations of the business? Are they involved in areas that are pivotal to the company’s success?

Compatibility Assessment

Once you understand the value the staying owner brings, it’s essential to assess their compatibility with your vision and operational style. Here are some questions to consider:

  • Interpersonal Compatibility: Do you get along with the staying owner? Are there any personality conflicts that could hinder a productive working relationship?
  • Strategic Alignment: Is the staying owner receptive to your strategic vision for the business? Are they willing to embrace necessary changes?
  • Role Adaptability: Is the owner open to having a new boss and adapting to a potentially different role within the company?

Taking the time to evaluate these factors will help you determine whether retaining the owner is a beneficial move for your acquisition.

Structuring the Deal

Structuring a deal that satisfies both the selling and staying owners requires careful planning and negotiation. Here are some strategies to consider.

Equity and Control

The ownership split between you and the staying owner significantly impacts control and decision-making. Common splits include:

  • 90/10 Split: In this scenario, you would hold 90% ownership, giving you primary control over the business, while the staying owner retains a 10% stake. This arrangement can help ensure that you have the final say in major decisions.
  • 60/40 Split: A more balanced split might involve you holding 60% ownership and the staying owner retaining 40%. This can be suitable if the staying owner’s continued involvement is critical to the business’s success.

Each split comes with its own set of implications for governance and operational control. It’s essential to choose a structure that aligns with your long-term goals.

Crafting Win/Win Deals

Creating a deal that benefits both parties involves understanding and addressing each party’s needs and expectations. Here are some strategies:

  • Phased Transitions: Implement a phased transition plan where the staying owner gradually reduces their involvement over a set period. This approach can ensure a smooth handover of responsibilities.
  • Role Definitions: Clearly define the staying owner’s role post-acquisition. Ensure that their responsibilities are well-documented and align with your strategic objectives.
  • Guardrails and Flexibility: Include provisions that allow for modifications or cancellations of agreements based on post-acquisition performance. This flexibility can protect your interests if the staying owner’s involvement becomes problematic.

Guardrails and Flexibility

Flexibility in the deal structure is crucial for addressing unforeseen challenges. Consider incorporating the following provisions:

  • Performance-Based Adjustments: Allow for adjustments to the staying owner’s role and compensation based on business performance metrics.
  • Termination Clauses: Include termination clauses that outline conditions under which the agreement can be ended. This can provide a safety net if the relationship with the staying owner deteriorates.
  • Buyout Options: Negotiate buyout options that allow you to purchase the staying owner’s remaining equity at predetermined intervals. This can give you greater control over the business in the long run.

Transition Planning and Timeline

Effective transition planning is essential for ensuring a smooth handover and minimizing disruptions.

Transition Timeline

Establishing a clear transition timeline helps set expectations and ensures that both parties are aligned. Here’s a recommended approach:

  • Initial Transition Period: During the first 3-6 months, the staying owner remains actively involved in daily operations, focusing on knowledge transfer and relationship management.
  • Phased Reduction: Over the next 6-12 months, the staying owner’s involvement gradually decreases. They may shift to a part-time or advisory role.
  • Final Phase: After 12-18 months, the staying owner moves to an as-needed basis, providing occasional support and consultation.

Role Definition

Clearly defining the staying owner’s role is crucial for avoiding conflicts and ensuring a smooth transition. Consider the following:

  • Specific Responsibilities: Document the staying owner’s specific responsibilities, including any projects or tasks they will continue to oversee.
  • Reporting Structure: Establish a clear reporting structure to ensure that the staying owner knows who they report to and how their performance will be evaluated.
  • Authority Limits: Set clear limits on the staying owner’s authority, particularly in decision-making areas that could impact your strategic objectives.

Power Transition

Ensuring a smooth transition of power and responsibilities requires careful planning. Here are some tips:

  • Communicate Clearly: Maintain open lines of communication with the staying owner, keeping them informed of any changes or developments.
  • Engage Employees: Involve key employees in the transition process to ensure they understand the new leadership structure and their roles.
  • Monitor Progress: Regularly monitor the progress of the transition, addressing any issues or concerns that arise promptly.

Common Challenges and Solutions

Navigating the retention of a staying owner comes with its own set of challenges. Here are some common issues and strategies for addressing them.

Dealing with Multiple Partners

Negotiating with multiple owners can be complex, particularly when their interests and goals differ. Here are some strategies:

  • Unified Negotiation Approach: Work to unify the staying and selling owners’ goals before finalizing the deal. This can involve mediation or facilitated discussions to ensure all parties are aligned.
  • Prioritize Communication: Maintain clear and consistent communication with all parties to avoid misunderstandings and conflicts.

Friction and Resistance to Change

Long-standing owners may resist changes to the business they’ve built. Here’s how to manage this resistance:

  • Build Trust: Invest time in building trust and rapport with the staying owner. Demonstrating respect for their experience and insights can help ease their concerns.
  • Involve Them in Decision-Making: Involve the staying owner in key decisions, particularly those that impact their areas of expertise. This can help them feel valued and engaged.
  • Gradual Implementation: Implement changes gradually to give the staying owner time to adjust and adapt.

SBA Restrictions

If your acquisition is financed through an SBA loan, there are specific restrictions to consider:

  • 12-Month Cap: SBA-financed deals typically have a hard legal cap of 12 months for owner retention. Be aware of this limitation when structuring your deal.
  • Stock Deals: Consider structuring the deal as a stock purchase to allow for longer retention periods, if necessary. However, note that the staying owner will need to guarantee the loan if they retain 20% or more equity.

Success Stories and Lessons Learned

Learning from others’ experiences can provide valuable insights into managing owner retention effectively.

Case Study 1: Successful Phased Transition

In one case, a 79-year-old owner was named chairman and came in three mornings a week to share industry knowledge. The new owner built a strong relationship with him, and when the former owner passed away, his equity was converted into a note and paid off over ten years. This successful phased transition benefited both parties and ensured a smooth transfer of knowledge and responsibilities.

Case Study 2: Challenges with Multiple Partners

In another instance, a deal involving two doctors – one wanting to sell and the other wanting to stay – fell through after months of negotiations. The staying owner’s reluctance to commit to a clear timeline and structure led to prolonged delays and ultimately caused the buyer to walk away. This example highlights the importance of clear agreements and timelines.

Case Study 3: Importance of Clear Role Definitions

A searcher who retained an owner found that the old owner’s continued involvement eventually became an obstacle. Without clear role definitions and boundaries, the staying owner’s influence hindered the new owner’s ability to implement changes. This underscores the necessity of defining roles and responsibilities upfront.

Actionable Checklist

Assessing Owner Compatibility

  1. Do you get along with the remaining owner?
  2. Is the owner’s role important to your strategy?
  3. Is the owner receptive to change and having a new boss?

Structuring the Deal

  1. Determine the appropriate equity split.
  2. Define the staying owner’s role and responsibilities.
  3. Include performance-based adjustments and termination clauses.

Transition Planning

  1. Establish a clear transition timeline.
  2. Document specific responsibilities and reporting structures.
  3. Ensure open communication and involve key employees.

Conclusion

Navigating a business acquisition where one owner wants to stay can be challenging but also rewarding. By assessing the owner’s value and compatibility, structuring a mutually beneficial deal, planning a clear transition, and addressing common challenges, you can successfully integrate the staying owner into your new business. Remember, careful planning, clear communication, and flexibility are key to ensuring a smooth and successful transition.

For further guidance and support in your business acquisition endeavors, consider leveraging resources like DueDilio. Our platform connects you with experienced professionals who can help you navigate the complexities of owner retention and other critical aspects of M&A transactions.

FAQ

Frequently Asked Questions

Owners may have different motivations and timelines. One owner might be ready to retire or pursue other interests, while the other may still enjoy working in the business or see more potential for growth and profitability.

Evaluate the staying owner’s relationships with clients and suppliers, their industry expertise, and their role in daily operations. Consider how critical their involvement is to the ongoing success and stability of the business.

Consider interpersonal compatibility, strategic alignment, and role adaptability. Ask questions to understand if you can work well together, if they support your vision, and if they are willing to adapt to a new leadership structure.

Common ownership splits include 90/10 or 60/40. Choose a structure that aligns with your need for control and the staying owner’s level of involvement. Ensure that the split allows for clear decision-making and governance.

Implement phased transitions, clearly define roles, and include flexibility in the agreement. Ensure the deal addresses both parties’ needs and expectations, with provisions for performance-based adjustments and termination clauses.

Establish a clear transition timeline, document specific responsibilities, set authority limits, and maintain open communication. Engage key employees and regularly monitor progress to address any issues promptly.
Challenges include conflicting interests, prolonged negotiations, and decision-making difficulties. Maintain clear and consistent communication, unify goals before finalizing the deal, and consider mediation if necessary.
Build trust and rapport, involve the staying owner in key decisions, and implement changes gradually. Show respect for their experience and insights, and ensure they feel valued in the new structure.
SBA-financed deals typically have a 12-month cap for owner retention. Consider structuring the deal as a stock purchase to allow for longer retention periods, but note that the staying owner will need to guarantee the loan if they retain 20% or more equity.
In one case, a 79-year-old owner was named chairman and provided industry knowledge three mornings a week. The new owner built a strong relationship, and when the former owner passed away, his equity was converted into a note and paid off over ten years. This approach ensured a smooth knowledge transfer and successful transition.

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Roman Beylin
Roman Beylin
Founder, DueDilio

Roman Beylin is the founder of DueDilio, a curated marketplace connecting business buyers, sellers, and intermediaries with vetted M&A service providers in the lower middle market. More than 1,300 projects have come through the platform, supported by a network of 200+ vetted service providers across over $3B in deal value.

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