Last year, when the owner of European Medical Massage & Spa in Shillington, Pennsylvania decided to sell her company, she had an immediate potential buyer. Her employee Linda Roll, a first generation mother of four, was eager to take over the 22-year-old institution. The only problem: Roll didn’t have enough capital to buy the building in addition to the company. Her only option was to try to find a landlord that would be interested in keeping her on as a tenant at a reasonable rent price. Says Roll, “We were in the state of mind that we would probably just have to take the loss.”

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