Limerick and the mid-west carry a substantial manufacturing, engineering, logistics, construction services and food production base — sectors where the assets are real, the equipment is usually financed, and the personal guarantees behind that finance are the item sellers most often discover too late.
Financed Equipment, and the Guarantees Behind It
In asset-heavy businesses a great deal of what looks like it belongs to the company does not. Vehicles, plant, machinery and equipment are frequently subject to leasing, hire purchase or finance arrangements, which has two consequences on a sale. Those assets may not be the seller’s to transfer, so a buyer diligencing the asset register will find the finance agreements and the picture changes. And those facilities were commonly supported by a personal guarantee from the owner, given years ago when the facility was put in place and forgotten since. Selling the business does not release a personal guarantee — each is a separate contract with the lender or lessor — so a seller can complete, hand over the keys, and remain personally liable if the buyer later defaults. Every guarantee needs to be identified at the outset and a formal written release sought as part of the deal, with a counter-indemnity from the buyer only as a fallback.
Construction and Supply Contracts Need Sorting First
A significant share of mid-west commercial activity runs through construction, supply and subcontracting arrangements, and those carry their own questions on a sale. Are the material contracts written, current and assignable, or do they restrict assignment and require the counterparty’s consent? Are there change-of-control provisions that a share sale would trigger? Are there retentions held, live claims, or disputes over payment that would surface in due diligence and produce an indemnity or a price reduction? And where a business trades with public bodies or large corporates, consent requirements are more likely rather than less. Identifying which contracts are material and what each says about assignment and change of control is a reading exercise, it costs very little, and it is what keeps a completion timetable realistic instead of slipping repeatedly.
Two Free Tools Before You Call
The Sale Structure Check walks the asset-versus-share question and what follows from each. The Readiness Check produces a gap list ordered by what will delay the deal or reduce the price. Both run on your own device — nothing stored, and neither is tax advice.
Selling, Buying, or Still Deciding?
What is being sold, whether an accountant has advised on structure, what is signed already, and whether there are employees and a lease. Conflicts are checked first, so name every party in your first email.
Call 01 5827148