Undeclared Cash Out of the Till - The Potential Trap When Buying a Business

Buying a business can be full of potential traps. Bythe tapes have been kept.
doing your research beforehand you will putThere is a way in which you can get an indication
yourself in a much stronger position.of whether it is true or not but it is beyond the
Sure you can go back and try and get somescope of this article to explain it in detail here. It
redress for any deliberate misrepresentation, butrequires the calculation of the Gross Profit to
do you really want to go down that route?Sales % and its comparison with the industry
Here are a selection of potential traps to watchaverage.
out for and be prepared to handle.But I don't think you should try to prove it! It
Trap: Boosting Sales by Feeding the Till:should be up to the seller! You should say
One of the immutable laws of business is thatsomething like "Look, you've given me these
nobody overstates their income in a tax return.audited figures and now you are saying they are
I must admit I do rely on it being true, evenwrong? Unless you can prove that to me I am
though I know of one occasion where a deviousgoing to stick to what you first told me".
seller fed the till from his own pockets to boostTrap: Boosting Sales by Selling to Friends:
his sales.A clever client of mine told me that when he said
That alone is not unique, but he followed throughthis to the owner of a small (all cash) corner
by showing the boosted sales in his tax return. Hestore the owner said, "Spend a week behind the
figured that the extra tax he paid would be morecounter and run the shop yourself before you
than covered by the higher price he got when hesign up for it. You'll see".
sold the business.My client did so and, yes, business was brisk. The
Its unusual for a vendor to be foolish enough tofriendly locals seem to come in just about every
show one sales or takings figure on the taxday to buy something. Unbeknown to everybody
return and another, higher figure on the figureshowever my client quietly marked each item with
presented to you. The explanation of course beinga felt pen before he handed it over. Next morning
that the difference is undeclared cash they havethey had mysteriously reappeared on the shelves.
pocketed.The owner had his cronies spend up big, then met
Anybody who does this runs the risk that youthem around the corner where he bought
are from the IRS or whatever your tax office iseverything back again and put them back on the
called.shelves late at night.
What is more likely is that as soon as they thinkTrap: Not Knowing the Sales Figures are Based on
they can trust you they pull you aside andBankings:
whisper that they always take $100 a day out ofNote that in small retail businesses like this it is
the till and use it to "feed the family".very common for accountants to get the sales
This is exactly what happened when I revisitedfigures from the bankings, not the till tapes. This
the GRB Shop. He said, "All retailers do it and youleaves it wide open for the owner to put
will too. It's one of the few perks you get forwhatever they like as the sales figures, and this is
working the crazy hours" and showed me agenerally accepted by the accountants. So much
bundle of cash.for the audited figures!
$100 a day in a 6 to 7 day retail business is aboutThe message of this article is that if you
$30,000 a year you can add to the bottom line,encounter situations like these where you have
and it certainly explained the high price they weresome doubts about the figures but you want to
asking. That is, if it's true!proceed with the deal, there is one effective thing
So, can you prove it one way or the other? Theyou can do. Hold back a % (say 25%) of the
answer is, you can never be sure. You could trypurchase price for (say) three months so you can
matching the till tapes to the bankings. This isbe satisfied the figures are correct.
very laborious however and assumes that all salesIf the owner agrees, there is a good chance
go through the till - and that there is a till and thateverything is above board.