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Restrictive covenants

Restrictive covenants are promises that limit what a seller can do after a sale, such as competing with the business or approaching its customers and staff.

Also called non-compete

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Definition

Restrictive covenants are promises, usually in the purchase agreement, that limit what the seller can do once the business is sold. The common types are a non-compete (not running or working for a competing business), a non-solicit (not approaching customers, suppliers or staff) and a promise not to use the old trading name. Each is limited by time, geography and the activities covered. Whether a covenant can be enforced depends on local law and on whether it goes no further than needed to protect what the buyer paid for.

Worked example

Silverbirch Physiotherapy is a fictional Canadian clinic sold for C$1,200,000. The seller agrees that for three years she will not open or work in a physiotherapy clinic within 10 kilometres, and will not approach the clinic's patients or staff.

A year later she is offered a role at a clinic 40 kilometres away. That falls outside the covenant, so she can accept.

Why buyers care

Much of what you pay for is often goodwill, and a seller who opens a rival business nearby can take it straight back. Covenants are the main protection.

Courts in many places treat covenants given by the seller of a business more favourably than those in ordinary employment contracts, but a covenant that is too wide in time, area or scope risks not being enforced at all. Keep them tied to the business as it actually operates.

Think about who else should give them, such as co-owners, family members in the business and key staff. Rules differ by country and, in the US, by state, so take advice from a qualified lawyer where the business operates.

Goodwill

Goodwill is the part of a purchase price above the value of a business's identifiable assets, less its liabilities. It reflects things like reputation, customer relationships and trained staff.

  • Goodwill

    Goodwill is the part of a purchase price above the value of a business's identifiable assets, less its liabilities. It reflects things like reputation, customer relationships and trained staff.

  • Key person risk

    Key person risk is the risk that a business loses value if one individual leaves or stops performing. In small businesses that person is often the owner.

  • Transition period

    A transition period is the agreed time after completion when the seller stays involved to hand over knowledge, relationships and processes to the new owner.

  • Warranties and indemnities

    Warranties are the seller's statements of fact about a business in the purchase agreement; indemnities are promises to reimburse specific losses. Together they decide who bears risks that diligence could not rule out.

  • Owner dependence and how to test it

    In many small businesses the owner is the salesperson, the expert and the person every decision waits for. This guide explains why that lowers value and sets out practical tests you can run, from reading the listing to the last weeks of diligence.

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  • The first 100 days after you buy

    How to use the first 100 days after completion: keep customers, staff and cash steady, learn the business before you change it, and start fixing the risks you found in diligence.

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  • Due diligence: what to check and in what order

    A sequence for due diligence that tests what could end the deal first, while it is still cheap to find out, and leaves the detailed and expensive work until the deal looks sound.

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  • The owner does the selling or holds key relationships

    When the owner wins the work and keeps the important relationships, part of the revenue may leave with them. Test how much of that revenue would stay without them before you agree a price.

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  • Key staff not tied in

    If the people who hold the business together have no written terms, no notice periods and no reason to stay, a sale is the moment they are most likely to leave. Find out who matters and what keeps them.

    Severity: fixableOperations and people

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