Seller Carry Notes
Convert Your Seller-Carry Business Note Into Cash
If you sold a business and are carrying a note, you can convert it to cash — in part or in full.
We help small business sellers, brokers, and advisors review seller-carry notes and figure out whether there is a market for the remaining payments.
Confidential review.
Established buyers.
Small business experience.
What We Do
Seller financing is common in small business sales. The seller takes part of the purchase price at closing and carries the rest through a promissory note paid over time.
Most sellers never wanted to carry that note in the first place — it just came with the deal. The good news is you don't have to keep it. These notes can be sold, in part or in full, and most sellers don't realize that's an option.
We review seller-carry business notes, acquire them directly, and work with established buying partners who specialize in this category. Every note is different — like every small business is different. We understand the nuances and can find the right solution.
Direct Acquisitions and Buying Partners
The best of both worlds — options for most notes
Full and Partial Sales
Options to sell the entire note or just a portion.
Why Sellers Sell
A note sale converts future payments into immediate cash.
The buyer of your business keeps making the same payments — they just go to a new noteholder.
How It Works
Quick conversation. 15-20 minutes. We talk through the note, the buyer, and the original sale, and usually know quickly whether there may be a market.
Light document review. If it looks like a fit, we ask for the basics — note, payment history, sale agreement. Reviewed confidentially.
Quote. The note is reviewed internally and through our buyer network. We come back with a quote, typically within a few days.
Close. If you accept, closing typically happens within a few weeks. Clean files can often move faster.
No fee to the seller.
Frequently asked questions
Our Background
We come from the small business world, not Wall Street.
Our work is grounded in 25+ years of experience in small business brokerage, acquisitions, operating companies, and seller-financed transactions. We have been on every side of these deals — broker, buyer, seller, and operator.
That experience matters. Seller-carry notes are not abstract paper. They are tied to real businesses, real owners, real situations. Reading them correctly takes both financial fluency and operating context.
Confidentiality
All conversations and documents are handled confidentially and shared only with qualified buyers when appropriate.
