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The Buyer Stopped Paying the Earnout. Now What?

By the SiteAppraiser Editorial Team · Sep 5, 2026 · 5 min read

Deferred payments are the part of a sale most likely to go wrong, and the remedy was decided when you signed, not when the payment stopped.

First, work out which of two things happened

There is a real difference between a buyer who cannot pay and a buyer who says they do not owe it, and they need opposite responses. Missed payments with an apology and a new date is a cash-flow problem, and cash-flow problems are sometimes worth accommodating. A buyer arguing the targets were not met, or that you misrepresented something, is a dispute about the contract. Find out which before you do anything, because treating a dispute as a delay wastes the time when your options were widest.

If they are disputing the targets

Go to the definition in the agreement and read exactly how the metric was written — revenue or profit, gross or net, measured over what period, and calculated by whom. Ambiguity here is the single most common cause of earnout disputes, and it is usually ambiguity you both signed without noticing. Ask for the underlying figures you are entitled to see. A buyer who will not produce the numbers is telling you something, and a buyer whose numbers are simply worse than hoped is a different conversation entirely.

If they cannot pay

You have a choice a court cannot make for you: restructure or enforce. Restructuring — a longer schedule, smaller instalments, sometimes a reduced total for certainty — gets you paid slowly. Enforcing may get you nothing from a business that has no money, which is the outcome sellers underestimate. Look at whether the underlying business is still trading and still generating what it did, because that determines whether there is anything to enforce against at all.

What the agreement gives you

Read these four before doing anything else. Acceleration: whether a missed payment makes the whole balance immediately due. Security: whether anything backs the obligation. Personal guarantee: whether an individual is liable, not just a company. And reversion: whether the assets return to you on default. Most small deals have far weaker versions of these than sellers assume, and finding out at this point is how people discover that their earnout was effectively an unsecured loan to a stranger.

Why security matters more than the headline number

This is the lesson worth taking even if your own deal is fine. A deferred payment is only worth what you can enforce, so a $60,000 clean close frequently beats $80,000 with $30,000 deferred and nothing securing it. The things that make deferred consideration real are a personal guarantee, a charge over the assets, an escrow holding the balance, or a reversion clause returning the site if payments stop. Without at least one, the extra headline value is a hope rather than a price.

The practical sequence

Write to them citing the clause and the amount, with a deadline — in writing, because verbal chasing has no evidential value. Ask for the figures if targets are in question. Get advice before accepting any variation, since agreeing to a new schedule can affect your position on the original terms. Then decide between a negotiated settlement and formal action, weighing the cost of the second against what is realistically recoverable. At small-deal sizes, a negotiated outcome is usually the rational one even when you are plainly right.

If the site is still running on your work

A specific and galling situation: the buyer stopped paying and is operating a business built on your content, your list and your rankings. If the agreement has a reversion clause, this is what it is for and now is when to invoke it. If it does not, the claim is for the money rather than the asset, and the asset stays with them. It is the strongest argument for negotiating a reversion clause on any deal with meaningful deferred consideration — it is the only remedy that does not depend on the buyer having cash.

Get advice, and be realistic about scale

This is general context, not advice, and remedies depend on your jurisdiction and your drafting. Two practical notes. Have a lawyer read the acceleration, security and default clauses before you act, because a wrong first move can weaken your position. And be honest about proportion: pursuing a five-figure balance across borders can cost more than the balance, which is exactly why the security you negotiated at signing matters more now than anything you do next.

Key takeaways
  • Establish first whether it is a cash-flow problem or a contract dispute — they need opposite responses.
  • Ambiguity in how the earnout metric was defined is the most common cause of these disputes.
  • Read the acceleration, security, personal guarantee and reversion clauses before acting.
  • A deferred payment is worth only what you can enforce: a clean lower price often beats a deferred higher one.
  • A reversion clause is the only remedy that does not depend on the buyer having money.
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Frequently asked questions

What can I do if a buyer stops paying an earnout?

Establish first whether they cannot pay or are disputing that they owe it. Then read the acceleration, security, personal guarantee and reversion clauses, write to them citing the clause and amount with a deadline, and take advice before agreeing any variation — accepting a new schedule can affect your position on the original terms.

What if the buyer says the earnout targets were not met?

Go to the definition in the agreement: revenue or profit, gross or net, over what period, calculated by whom. Ambiguity there is the most common cause of earnout disputes. Ask for the underlying figures you are entitled to see — a buyer who will not produce them is telling you something.

Can I get my website back if the buyer defaults?

Only if the agreement includes a reversion clause returning the assets on default. Without one, your claim is for the money rather than the asset, and the site stays with them. That is the strongest argument for negotiating reversion on any deal with meaningful deferred consideration.

Is a higher price with an earnout better than a lower cash offer?

Only if the deferred part is enforceable. $60,000 paid at closing frequently beats $80,000 with $30,000 deferred and nothing securing it. Look for a personal guarantee, a charge over the assets, escrow holding the balance, or a reversion clause — without one of those the extra value is a hope.

Should I sue a buyer who stopped paying?

Weigh the cost against what is realistically recoverable. Enforcing against a business with no money produces nothing, and pursuing a five-figure balance across borders can cost more than the balance. At small deal sizes a negotiated settlement is usually rational even when you are plainly right.

What security should I ask for on deferred payments?

At least one of: a personal guarantee from an individual rather than a company, a charge over the assets, an escrow holding the deferred balance, or a reversion clause returning the site on default. These are what make deferred consideration real rather than a hope.

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SiteAppraiser Editorial Team

SiteAppraiser builds free website and domain valuation tools. Our guides draw on website-sale and marketplace data and are reviewed for accuracy. Informational only, not financial advice.