Why Due Diligence Matters More for Foreign Buyers

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30-60 Days

Typical DD period

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$10K-$30K

Professional costs

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100+ Items

Full investigation

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Protection

Avoid costly mistakes

Operating in unfamiliar legal system with limited personal networks makes thorough investigation essential

45-Day Due Diligence Schedule

Week 1-2
Document Collection
Week 2-3
Financial Deep Dive
Week 3-4
Legal Review
Week 4-5
Issue Resolution
Week 5-6
Closing Prep

Financial Due Diligence Checklist

Verify the business actually generates the revenue and profit the seller claims.

Tax returns (3 years) Critical

Federal, state, local - harder to falsify than internal statements

P&L statements (3 years) Critical

Monthly if available - compare to tax returns

Bank statements (12-24 months) Critical

All accounts - verify deposits match revenue

Balance sheets (3 years) Critical

Verify assets exist and are valued correctly

A/R and A/P aging reports Important

What is owed to and by the business

Inventory and equipment records Important

Physical count, valuation, depreciation

Cash businesses may have unreported income - only rely on documented revenue for visa

Operational Due Diligence Checklist

Understand how the business operates day-to-day.

People

  • Employee roster and org chart
  • Employment agreements
  • Key employee retention plans
  • Payroll and benefits records

Processes

  • Standard operating procedures
  • Technology and software systems
  • Supplier relationships
  • Customer concentration analysis

Physical

  • Equipment condition inspection
  • Real estate status
  • Inventory count
  • Deferred maintenance assessment
Site visit is essential - observe operations, meet employees, verify reality matches description

Foreign Buyer Special Checklist

Additional factors related to your unique situation as a foreign buyer.

E-2 visa eligibility assessment Critical

Meets substantial investment and job creation requirements?

Source of funds documentation Critical

Clear trail showing legitimate source of capital

Management role documentation Important

Demonstrate active management for visa purposes

Business viability projections Important

5-year projections showing non-marginal business

Wire transfer planning Important

Coordinate with banks to avoid compliance holds

Entity structure planning Important

Form US entity in advance, optimal structure

Red Flags to Watch For

Seller Rushing Process

Pressure to close quickly often masks problems

Inconsistent Financials

Tax returns don't match P&L or bank deposits

Key Employee Departures

Critical staff leaving with owner

Declining Revenue

Fundamental problems new ownership can't fix

Customer Concentration

One customer is 25%+ of revenue

Pending Litigation

Lawsuits can be expensive and distracting

Deferred Maintenance

Run-down equipment needs capital expenditure

Reluctance to Provide Docs

Delays suggest hidden problems

Walk away if you find fraud, undisclosed liabilities, or unfixable problems - forfeited deposit is cheaper than buying a failing business

Building Your Due Diligence Team

Thorough due diligence requires expertise beyond what any single professional provides.

Core Team

  • Transaction Attorney - coordination, legal review
  • CPA/Accountant - financial analysis, tax
  • Immigration Attorney - E-2 eligibility

Specialists

  • Industry Specialist - market, valuation
  • Insurance Broker - coverage gaps
  • Environmental (if applicable)
Budget $10,000-$30,000 for professional due diligence - small fraction of purchase price