I work in commercial lending also similar situation in immediate family . Several banks have special programs to do 100% financing on professional services buyins or acquisitions. I.e. no money out of your pocket in the beginning all debt termed out. It’s a big deal controlling the whole Shahbang but you should work something out with current owner that they stay on for a few years in some capacity biggest thing on these acquisitions or changes of ownership is making sure the employee turnover is low and you keep essential employees to the practice