I am a one man company that I'm projecting $25m in sales this year. I'm looking to retire and trying to find someone to buy and take it over. I received 6 offers so far and rejected all. Here are my issues and looking for any advice you can share. I'm looking for $3.5m for the company and I guess the best way to describe my company is a niche wholesaler. Issues are as follows:

1- I do over 90% of my business with 1 manufacturer and 1 major retailer. Both relationships are very solid and have had them for 15 years. Retailer cannot get the product anywhere but me due to quantities available and price. SBA doesn't like 1 manufacturer and 1 distributer and I also don't touch goods so no warehouse or assets. Issue: tricky for buyer to get a loan
2- Offers have come in where they want my receivables and payables. I am afraid to do that, as buyer might take in the receivables but possibly not pay the payables to the manufacturer. Then the manufacturer would come after me.
3- I want about 85% up front, and I would finance the balance. Most, but not all of the buyers want to give me a smaller amount up front and pay over time. Most offers have come in $2m or less up front. I can work 50% and generate profit of $650k this year and probably $700-$725k next year without the headache if I keep the company.

Any help or feedback would be appreciated. If you want to take it off-line, I can be reached at --@----.com