<prompt> Human: Throwaway here as the store I work at is tied to my main account.I have been employed as a manager of a successful used game store for 3 years now. The owner of the store and I have become good friends in this time. Last week he unexpectedly offered to sell the business to me. He owns two other businesses on top of his day job, and has decided he needs to slim down.The store has been around for 10 years, and the name is very popular in the area we are in. There are three locations. We turn a profit every year, but being hands-on and with customers each day has given me many ideas to improve even further. There is approximately 170,000 worth of merch in the stores if sold at retail, and the costs associated with that retail value is about 65,000. This does not include the tons of assets the stores have. Computers, glass cases, artwork, metal panel displays, etc. Overall I think it would be profitable for me, and I enjoy the work.He has offered to sell it to me for 100,000.My question is -- is it realistic for me to come up with this kind of money and would it be worth it for me?I am in my 20s. I have about 20k in savings and am in general very good with my finances with a good credit rating.Would taking out a huge loan like that be worth it for someone like me? What kind of options do I have?  <response>: First, you should see if this is a good deal.You mentioned the inventory, which has a wholesale value of 65k. How much profit does the store make? Thats the key factor here. How much does it earn before taxes? How much debt does it have?From there you can work out the valuation - for example, if it makes a profit of 50k a year and has no debt, then 100k is a great deal. If it makes 10k profit a year and has 100k in debt, 100k is not such a good deal.If you do the numbers and it is in fact a good deal, you have some options: Ask him to finance the purchase - give him 10k now and the pay him 11k just an example over the next 10 years. Take out a loan for the amount - Probably hard to get from a bank, but maybe from family and friends?TLDR: Look at the books, and use the numbers of the last few years to value the business. If its the right deal, ask him for financing. 