Selling a Retail Technology Business

Retail tech valuations depend on what’s truly repeatable and what’s really services. Buyers separate platform fees from rollout labor, then pressure-test dependencies on POS vendors, processors, and channel partners. Support load and churn tied to POS replacement cycles also move the multiple. For a fast range, use Rejigg’s free valuation calculator, then back it up with a revenue split by location, usage or volume, and implementation.

No. Brokers charge 5–10% of the sale price for work you can run yourself with the right process. Rejigg gives you vetted buyers, digital NDAs, a secure data room, and deal tracking so you can sell without a middleman and keep conversations direct. Start with the finding buyers guide, then list when your materials are ready.

Sometimes. SBA financing tends to work better when the business has stable, provable cash flow and contracts that transfer cleanly, which can be harder for pure software tied to changing POS and payments ecosystems. Implementation revenue and longer-term retailer agreements can help if they are repeatable and profitable. You can model payments and down payment scenarios with Rejigg’s SBA loan calculator before you negotiate terms.

Retail tech deals often take longer than a typical SaaS sale because buyers dig into integrations, partner terms, and support coverage. Many owners see a few months to find the right buyer and reach a signed offer, then another couple of months for diligence and closing. Timelines stretch when enterprise contracts, security questionnaires, or payment program approvals are involved. Rejigg helps you keep momentum with direct messaging, scheduling, and a built-in data room. See the due diligence checklist.

Buyers commonly ask for financial statements, customer and partner contracts, POS and processor agreements, a rollout playbook, incident and ticket summaries, and security documentation that matches retailer requirements. If you ship hardware, add inventory counts, vendor terms, warranty terms, and return history. Put these in one place early so diligence does not drag. Rejigg’s built-in data room lets you organize documents once and control buyer access without emailing attachments.

Present it the way a retailer experiences it: ongoing platform fees, one-time rollout work to get stores live, and any variable usage or volume fees after launch. Buyers get skeptical when rollout labor is labeled “recurring” because it is billed monthly. A clean view includes active locations by month, typical hours per go-live, and who does the work. Rejigg’s QuickBooks integration can help you build the split inside the data room quickly.

Write a plain-English summary that answers three questions: who owns the merchant relationship, who controls pricing and renewals, and how much notice you get before terms change. Then share the actual agreement after an NDA, because partner terms are sensitive. Buyers mainly want to understand program risk and how quickly your gross profit can move. Rejigg handles buyer vetting and digital NDAs, so you can share partner contracts only with serious buyers through the secure data room.

Buyers look at concentration across retailers and across dependencies. One large retailer can be fine if the deployment is sticky, expansion is real, and the contract is transferable, but buyers will still ask what happens during a POS migration or vendor consolidation. The same goes for relying heavily on one channel partner or one processor program. Rejigg’s deal tracking helps you compare offers when different buyers price concentration risk differently.

A working capital adjustment is a closing true-up that ensures the business comes with a normal level of “operating fuel,” like receivables and payables. It matters in retail tech when you have large retailer receivables, prepaid annual subscriptions, implementation work in progress, or hardware inventory. If “normal” is not defined up front, sellers can get surprised at closing. Rejigg helps you keep these terms visible and comparable across offers.

Earnouts are common when buyers are unsure about durability, like channel performance, expansion assumptions, or revenue tied to a payments program. If you agree to one, anchor it to metrics you can measure cleanly, like active locations, gross profit, or retained merchants. Get specific about reporting, who controls pricing and support decisions, and how disputes get resolved after closing. Rejigg’s offer comparison dashboard shows earnout terms side-by-side so you can compare risk, not just headline price.

Buyers often want a non-compete so you do not sell a similar POS- or payments-adjacent product to the same market right after closing. They also want a transition period to hand off partner relationships, escalation paths, and rollout knowledge. In retail tech, it is common to cover at least one peak retail period so the buyer sees incident handling in real conditions. Plan the handoff using the transition planning guide.

Hardware can increase stickiness, but it adds operational risk buyers will price in. They will ask about dead inventory, returns, warranty replacement rates, and who pays shipping on RMAs. They also look at how often device models turn over and whether your margin survives the replacement workload. Put inventory counts, vendor terms, and warranty policies into the data room early so it does not become a late-stage surprise. Rejigg’s secure data room is built for this kind of diligence.

Buyers typically ask for business tax returns and proof behind any add-backs you claim. If you sell hardware or taxable services, they may also ask for sales tax filings and support for multi-state compliance, since retailers often operate across many states. Make sure filings tie to your financial statements and that gaps have a clean explanation. Rejigg helps you store and share these documents securely with vetted buyers after an NDA.

Confidentiality can be tricky because partners and retailers notice change fast, and rumors create channel politics. Most sellers use staged disclosure: share high-level metrics first, then share customer names, partner agreements, and architecture details after an NDA and clear buyer intent. Keep a tight list of who knows, and document what you shared with each buyer. Rejigg pre-vets buyers, requires digital NDAs, and lets you control exactly what each buyer can see in the data room.

They describe the business as “recurring SaaS” but don’t show the operating reality that buyers will find anyway. That includes rollout labor, partner payouts, brittle POS edge cases, and after-hours support coverage. The damage is usually trust, not the metric itself. Bring evidence early: a clean revenue split, rollout timeline distribution, incident history, and partner terms. The prepare-to-sell guide walks through how to package this.

Compare offers based on what you keep and what can change after signing: cash at close, any seller financing, earnout triggers, working capital adjustments, and holdbacks tied to retention or certifications. In retail tech, a higher headline price can carry more risk when it depends on partner-controlled outcomes like referral flow or take-rate. Rejigg’s deal tracking and offer comparison dashboard puts terms side-by-side so you can evaluate risk in plain English.

Serious buyers want quick clarity. Include where you fit in the retail stack, your top POS and payments dependencies by revenue, rollout timelines, support volume and top ticket categories, and a plain-English description of what data you touch in-store. You can share a high-level overview publicly, then gate the details behind an NDA. On Rejigg, buyers are vetted, and NDAs are signed digitally before they see sensitive materials in the data room. Start with how to find your dream buyer.