With the right agreement in place, seller financing can reduce acquisition risk, make it easier to find your ideal buyer or business, and help you close a winning deal.
Seller financing is one of the most powerful — and often misunderstood — tools for buying or selling a small business. When structured correctly, it can expand the pool of qualified buyers, shorten time to close, reduce reliance on bank lending, and create meaningful tax and cash flow advantages for both sides of the table.
This guide is designed to walk you through how seller financing really works in practice: what it is (and isn’t), when it makes sense, how to structure safer deals, and the key terms to negotiate. If you prefer to learn by example, you can also watch the full walkthrough and Q&A in the replay below as you work through the concepts.
Join our CEO and Founder Andrew Gazdecki and Acquisitions Success Manager Ky Pratt as they break down what makes seller financing the ultimate negotiation tool and its benefits for both buyers and sellers. Check out the full replay and Q&A in the video below or skip straight to the clip and highlights for each topic discussed.
Who’s Presenting?
Andrew Gazdecki, Founder and CEO of Acquire.com

Andrew Gazdecki is the founder and CEO of Acquire.com and a lifelong entrepreneur. He bootstrapped his first business, Bizness Apps, to $10 million in annual recurring revenue, which he later sold to a private equity firm in a life-changing acquisition. Since then, he’s sold two more businesses, bought one, and founded the world’s largest startup acquisition marketplace.
Having been on sides of the M&A table, as a buyer and a seller, Andrew knows how complex and difficult acquisitions can be. He started Acquire.com to fix the complex acquisition process and make it easier for founders to get acquired, and he’s excited to share his knowledge with you today.
Ky Pratt, Acquisition Success Manager

Ky understands what it takes to sell a business. With a background in coaching and client success, Ky has been instrumental in several large exits, shepherding buyers and sellers through the acquisition process and ensuring satisfaction all round. Today, he joins Andrew to breakdown seller financing and what role it plays for founders looking to take their acquisition to the finish line.
What Is Acquire.com?
Acquire.com is the best online marketplace to buy and sell SaaS startups. Combining expert M&A advisory and technology, our services help you get Acquire’d fast and maximize your exit.

Since 2019, we’ve helped over a thousand founders sell their businesses, closed over half a billion dollars in deal volume, and registered over 500,000 buyers. Live internationally? No problem – we’re active in over 100 countries and every continent except Antarctica.
What is Seller Financing?
Seller financing is a deal structure frequently used in online business and startup acquisitions, where the founder or current owner provides a loan to the buyer to cover part of the purchase price. Rather than relying entirely on a bank or outside lender, the buyer pays a portion upfront and repays the remaining balance to the seller over time, making the seller the primary source of financing for the acquisition.
Seller financing typically involves the buyer making a down payment to the seller, with the remaining balance paid over time in installments. The terms, such as interest rate, payment schedule, and duration, are negotiated between the buyer and the seller.
Why Offer Seller Financing?
1. Activate maximum buyer interest
Seller financing is a powerful tool for attracting and closing deals with serious buyers, especially in competitive markets. By making the purchase more accessible and demonstrating their own confidence in the business, sellers can maximize interest and achieve a successful sale.
2. Lower the upfront risk
In essence, seller financing creates a less risky financial environment for the buyer by spreading out costs and offering more flexibility.
Bottom Line: When Seller Financing Makes Sense
Seller financing works best when a good business meets a motivated buyer, but there’s a temporary gap in cash, risk tolerance, or financing options. It makes the most sense when the fundamentals are strong, trust and alignment exist between buyer and seller, and both parties are willing to share risk in exchange for a better overall deal.
If you’re ready to explore seller financing as part of your acquisition or exit strategy, browse vetted startups and online businesses or create a free listing on Acquire.com to connect with qualified counterparties and structure a deal that works for both sides.
3. Boost the affordability
Seller financing eliminates or reduces the need for large upfront capital attained from third-party lenders and allow more capital to be allocated into the business, which can be especially beneficial during the early, uncertain stages after acquisition.
4. Increase your buyer pool
By offering seller financing, you open your business up to a much broader range of buyers, including those who couldn’t secure or wouldn’t pursue traditional bank loans. A larger buyer pool gives you more qualified offers to choose from, increasing the odds of finding the right fit and potentially closing faster, often at a higher overall sale price because you’re providing built-in financing.
How Seller Financing Works
In lower middle-market deals, seller notes commonly carry terms of 3–7 years, fixed interest rates in the 6–10% range, and finance 10–30% of the purchase price, with stronger businesses or more competitive sale processes often landing at the shorter-term, lower-rate, lower-percentage end of those ranges. Compared with bank and SBA loans, seller financing is typically more flexible on structure and covenants but may be slightly more expensive than senior bank debt and similar to or a bit cheaper than SBA financing, while also avoiding SBA fees and more onerous underwriting. In practice, seller financing works in a simple sequence: (1) buyer and seller agree on a total purchase price; (2) the buyer funds a portion in cash (and possibly bank or SBA debt); (3) the seller “rolls” the remaining agreed amount into a promissory note; (4) the note specifies interest rate, term, and repayment schedule; and (5) after closing, the buyer makes periodic principal and interest payments to the seller until the note is fully repaid.
1. Assess how much you can offer
This is subjective to each seller’s goals, risk tolerance, and cash needs. Start by deciding how much of the purchase price you need as an upfront down payment to meet your short- and long-term financial goals, then determine what portion you’re comfortable financing over time. From there, consider a reasonable interest rate, what assets (if any) will serve as collateral, and under what conditions you’d declare a default so you’re protected if the new owner struggles to operate the business or misses payments.
2. Evaluate the buyer’s ability to repay
Vetting the buyer diligently will be key in determining how much you offer or if you even offer it at all. By providing seller financing, you’re essentially signing into a mid- to long-term business commitment with the buyer.
3. Negotiate the terms of the seller note
Negotiating the terms of a seller note requires balancing flexibility with security. Weigh the buyer’s financial stability against the business plan and eliminate any room for ambiguity. The goal is to structure a deal that is attractive to the buyer while protecting the seller’s financial interests.
Ready to explore real opportunities with flexible deal terms? Browse seller-financed listings on Acquire.com or contact our team to discuss options that fit your budget and acquisition goals.
Q&A
In a mixed-financing structure, the seller note typically sits below the senior lender (bank or SBA) in the capital stack. That means the bank/SBA debt is first in line for repayment and has a senior security interest in the business assets, while the seller note is contractually subordinated. Practically, this subordination often includes standstill or payment-blocking provisions: if the borrower defaults on the bank loan or triggers certain financial covenants, payments on the seller note must stop until the senior lender is made whole or gives consent. For the buyer, this can make the deal more financeable; for the seller, it increases credit risk relative to the bank but usually comes with a higher interest rate, flexible terms (interest-only or PIK periods), and the potential for equity-like upside via warrants or performance-based adjustments.
What terms of a seller financing agreement are typically negotiated beyond just the amount?
Beyond the principal amount, buyers and sellers usually negotiate the interest rate, repayment schedule, total term of the note, payment frequency, any prepayment rights or penalties, and whether there is a balloon payment at the end. The key variables are: (1) how long the seller note will last (e.g., 1–5 years), (2) how often payments are made (monthly, quarterly, annually), and (3) the interest rate (for example, 5–8%). These elements together determine the cost and flexibility of the seller financing.
In what way is seller financing different to other conditions like holdbacks and earnouts?
As mentioned in the webinar, it’s the lack of conditional statements with the seller financing. Consider this a deferred payment over a period of time that in some aspects is guaranteed to you as long as everything up holds, whereas the hold back the earnouts there is a milestone achievement. When it comes to all 3 of these things, I think there’s a stigma around them that it’s a negative thing to have in an offer, and I want to just say that it’s not. It’s very common. If you look at a lot of data, there’s always some variation, some mixture of cash on close. And then a creative deal structure. What it really comes down to is the percentage distribution and the feasibility behind getting your payment through seller finance note, or in the case of earnouts. the reasonability and the achievability of those milestones. So it is common. It’s all about distribution. You can. You can think about it. If someone were to give you 10% down and 90% seller finance, that’s probably not a good deal. But if you start having an idea in your head as a seller of what would you be open to? You need to start getting that out into the conversation because you could be deterring people away by not being willing to talk about that.
How do I decide how much interest to charge for seller financing? Is interest-free an option, and if so, is it recommended?
I would say. Yes, you can charge 0 interest if you wanted to, but keep in mind that as a seller you’re essentially not being compensated for the loan that you’re issuing. You can argue that the deal is closing. But typically I would recommend some interest rate on it, maybe in the 5-10% range more or less. But typically you’ll negotiate the interest rate based on where are they in the broader market? Are they really high? Are we in a 0 interest rate environment? What is the cost of capital that you’re essentially loaning out to the the potential buyer. More commonly what we see is seller notes with some interest attached to it.
Keep in mind, to talk to your financial professional, within your sphere, about the implications of certain interest rates and how that money is going to be taxed because it all can be different. There’s different rules everywhere. So have those conversations early as you get your offers.
What questions should I ask a buyer who’s requested seller financing before saying yes?
Your goal as a seller is to do due diligence on the buyer. Do they seem to be knowledgeable in your type of business? Are you confident that this individual can grow your business farther than you were able to on your own. Do you see any issues? Ask good questions about their business acumen. Are they currently involved in any other transactions where there is seller financing? Do they have a plan post closing to grow the business? Making sure that you also fully understand how the seller note is gonna work, I think, is extremely important. But just key questions to understand the buyer and their ability to repay and their ability to grow the business, so it makes it easier to repay. And then I think the general structure of the seller note is what I’d recommend initially.
How much of the purchase price is typically offered under seller financing?
Everything is negotiable! But as a bar, probably want 50% cash on close at the low end and if anything, higher, if you’re a buyer, you certainly have purchase power if you can rise that up. So all cash deals, of course, are very favorable, but they’re less likely, especially as deal sizes get bigger. That needs to be an accepted truth. So 50 or or more cash on close is kind of the bar. But in some situations, if someone’s offering you less. maybe they have intangible factors like they’re just the perfect operator for the job. And this puts them in a position to grow the business. The payout structure is very favorable to where you’re getting your money in a reasonable amount of time, so don’t hold that completely in stone. There are some other factors in this within the quality of the buyer that can maybe allow that to be a little bit less.
What happens if the buyer defaults or falls behind with repayments?
In most scenarios, you can repossess the assets depending on how the seller note is worded and how you term that but you can actually repossess the business if they default on their payments, and they’re no longer adhering to the agreement. Also legal action as well. You can apply legal pressure because you do have a legal agreement that they are to be making these monthly payments or quarterly payments because they bought the business from you. So you do have that as an option. Other things you can add into the repayment terms are late fees. You could have the ability to accelerate the clause as well. So there’s terms that you can add in to protect you in these scenarios. But the big ones are. You can take legal action to be awarded the amount that they owe you, or even repossess the asset which you sold them.
Is the promissory note made out against the company I’m selling or the buyer or their business entity? Are there advantages of one over the other?
It’s going to be made out against the buyer not your business. And and what I mean by that is the buyers probably going to put the note against the business that they’re now acquiring and their assets there, but they would not put it directly against them in most cases as a a personal guarantee. You. You think about the advantages or the disadvantages? Certainly to a seller it’s advantageous if they are willing to put a personal guarantee there, but not everyone will be comfortable with doing that. So it all comes down to these pre-checks on the buyer. Are they already paying off a loan? Is there logical thought to say that this is going to default? You never really want to activate these recourse pathways because that can be taxing emotionally and time wise, anyways. But most buyers are not going to say yes. to assigning a promissory against myself as a personal guarantee. So again, need to assess the risk against a spectrum. That type of agreement just increases the risk on the buyer end, and every deal has to be shared risk somewhere in the middle.
Under what circumstances should you never offer seller financing, even if the buyer is a “good” credit risk?
Remember, seller financing should always align with your goals as a seller. There’s definitely risk to offering them. You’re issuing a loan. Someone could end up not paying the loan, and that would cause a bunch of headaches for you. With that said, scenarios where I would not recommend seller financing:
- When the information you’ve gathered on the buyer is extremely negative. So when you get a referral or reference and it comes back bad with terrible experiences with the buyer.
- When the buyer has no experience in your business’ specific industry and especially if your business is more technical or niche. It’s gonna be harder for that individual to run the business.
- When the business doesn’t fit the build, meaning is it not profitable enough? Is it declining? Is it not stable to where you can say confidently that this business can generate X amount to be repaid back to me over 12, 24 months, whatever the terms may be.
At what point in negotiations should I say I’m open to seller financing?
So this is all about how you go about showing your cards and how it impacts your end-goal. It’s a bit subjective but we believe it’s good to have the conversation earlier than later. A common misconception is if you say you’re open to seller financing, you’re beholden to only those types of offers. That’s just not true. Just because you’re open to seller financing does not mean you’re NOT open to all cash at closing or other types of better offers. If anything, it only adds more options as it could be a way for buyers to win the deal (offering all/more cash at close), if there are multiple buyers interested and looking to leverage seller financing.
Now, with that being said, you’ll need to pair this with running a smooth acquisition process. What does that mean? You communicate effectively to all the serious buyers in your pool and run them through equal opportunities with transparent timelines. This allows you to get your offers coming in all within the same window.
Are there any circumstances where I’d offer over 50% seller financing?
Yes, there are a lot of entrepreneurs that don’t know this, but not every business gets a ton of offers and has a lot of buyers flocking to buy the business. If you find yourself in this scenario. That’s a good one to maybe make things more attractive to buyers, and when you’re not getting offers and buyers are giving you feedback, that maybe you’re pricing too high. The opportunity is too risky. Take in that feedback. If you want to sell your business, and by offering seller financing, you’ll widen the buyer pool and actually get a closed transaction on your hands. Another reason to offer seller financing could be. If you’re looking to sell for a purchase price that is outside of what most buyers are willing to pay upfront, so it can help you reach your goals of just getting acquired or selling at a specific price that aligns with your goals. But typically if it’s 50% above, that is when you’re just not seeing a lot of traction with buyers. You need to make the opportunity more attractive. And do what you can to to close the gap. Financing could be one of the best ways to do that with buyers.
How do I politely turn down a buyer’s request for seller financing?
When it comes to this, only one person is going to be able to buy the business at the end of the day and you’ll. You can’t choose multiple buyers. So you want to communicate within a timeline. You get your offer, you need some time to review it with your advisor, with your legal team, with your family, but then you want to communicate back to the buyer a decision, that decision either being yes, no, or maybe some sort of slight counter
The buyer wants an earnout AND seller financing – should I say yes?
It depends on what the specifics look like and how it aligns with your acquisition end-goal. Is it 80% cash on close 10% seller financing and 10% earnout?
On top of that, what is the valuation? When we think about your asking price and how that fluctuates with deal consistency, to some degree, the lower the valuation, the more likely it’ll be an all cash offer, and the higher the valuation, the more likely a more creative deal structure will be in play.
So if this earnout plus seller financing plus cash on close allows the valuation to reach a somewhat respectable or higher multiple then maybe it makes sense. If it’s bringing the valuation down, and there’s an earnout and their is seller financing mixed in, then probably you might want to reconsider because there’s that there’s that inverse relationship between the components here.
Also, do you have confidence in your business’s performance after you close? Because on an earnout, it’s tied to the business’s performance versus on seller financing it’s more tied to your relationship with the buyer. And do you feel that they’re able to make those repayments. So you are adding additional complexity. Another way to think about that is you’re taking on more risk. So what are you getting in return? Are you getting a larger purchase price? Is it the only offer? Is it substantially better than the other ones that you have in hand.
Lots to consider for your specific situation and could vary across a multitude of personal and business factors.
As a buyer how do you protect against degradation of business post close?
Seller financing will not protect against that. What you're going to want to do to protect against the business. That essentially declining post closes strict due diligence. Do your homework before you actually buy the business? You could negotiate an earnout agreement if you're concerned. So what that would mean is 50% down, and maybe 50% is held back based on the performance of the business after you close but seller financing wouldn't apply or protect you against the business declining post close. What it, what it would do is it would allow you again to put less business down upfront. So maybe you have a period of time where you can improve the business if something unfortunately happened? And decline post close.
If we offer 80% cash on close, that would include 70% from a bank and 10% from a buyer upon closing, and doesn’t all have to come from a buyer, correct? Seller is offering the remaining 20% as seller financing.
That's correct. But what's going to happen when you have a mixture of sources of funding is the official lender will usually take priority in receving repayment. By working with a lender who will take 1st position, sometimes this means they can control the deal and payout structures depending on the type of lender that they are.
Although, if it's an SBA loan, you, as the buyer, get the added benefit to lean on the rigorous process that SBA takes in assessing business longevity and can put you in a good position when negotiating with sellers if you've got a third-party stamp of approval that it will very rarely default.
So is it possible? Yes, but with some caveats.
Does the seller financing differ or percentage when it has zero dollar in revenues versus $100K or $500K in ARR? or stage the business for sale?
Yes, seller financing can differ significantly depending on the business’s revenue levels. As the business’s revenue increases and its stage advances, the terms of seller financing tend to become more favorable for the seller, with lower risk and more flexibility in the deal structure.
It's important to align financing terms with the specific risk profile and financial health of the business at the time of sale.
With seller financing, does the buyer have to pay back the “loan” regardless of what happens with the business? Or are there usually terms or parameters around that? I’m trying to understand how this option might differ from some of the deal terms I’ve already seen wherein the buyer may be willing to put down 30-40% cash at close but then wants to pay out the rest as a revenue share contingent upon biz performance over time.
Seller financing and revenue share deals are different in terms of the buyer’s obligations and the structure of payments after the sale.
In a traditional seller financing arrangement, the buyer is obligated to repay the loan according to the agreed terms, regardless of how the business performs after the sale. This means the buyer must make the scheduled payments, including interest, whether the business thrives or struggles.
In deals structured around revenue share, the payments to the seller are often contingent on the business’s performance. Instead of fixed monthly payments, the seller receives a percentage of the revenue or profits over time.
Is the seller note usually depending on reaching certain KPIs or just a simple note?
A seller note is usually a straightforward, fixed obligation that does not depend on the buyer reaching specific performance goals.
in your experience with seller financing, how long of a carry are you seeing on average and are you including a balloon payment with your structures?
When structuring seller financing, the carry period and the decision to include a balloon payment should align with both the buyer’s ability to pay and the seller’s financial goals. It’s also important to consider market conditions, the specific business’s cash flow, and the risk tolerance of both parties.
Industry norm for length of term falls between 3 to 7 years.
Can you share one or 2 examples of an earn-out structure?
Take a look at this post here titled, 'Everything You Need to Know About Earnouts in an Acquisition'. It provides real examples of earnout structures and expert insights on the topic.
What happens if the new owner declares bankruptcy?
If the new owner declares bankruptcy, the seller’s ability to recover funds depends heavily on how the seller financing was structured, the nature of the bankruptcy, and the specific legal ramifications set within the seller note. Mitigate or lower this risk by vetting the buyer rigorously upfront.
What’s a typical down payment for seller financing? In mortgages it’s typically 80/20 is there a particular average you’ve seen at acquire across all the deals on the platform?
This is something we'll need to gather more data against to provide a true indicator (Watch out for a future blog post on this topic).
If the seller has offered 0% interest for the first few years of the loan to help us out (and then it goes up to market rate or higher), is that legally considered a gift that the seller has to pay taxes on, or do buyers have to pay at least 1% down for legal or tax reasons. You sort of touched on this earlier, but wanted clarification.
While offering 0% interest for a few years can be a helpful concession from the seller, it may have potential tax implications. Please consult with a tax professional in your specific geography to confirm.
In what ways is seller financing better than an earnest out structure for a buyer?
Seller financing can be better than an earn-out structure for a buyer across many factors including, but not limited to: offering more predictable payment terms, immediate ownership and control of the business, fewer risks of disputes, less dependency on future performance, potentially better financing terms, and reduced seller involvement. This makes seller financing a more straightforward and less risky option for buyers who prefer a clear path to ownership without ongoing contingencies tied to business performance.
Have you seen deals which have cash + seller financing + equity retention? For eg: ebitda 500k. Valuation – 5 mn. Cash: 2 mn. Seller financing – 2mn over 5 years and 10% equity retention?
This is a very specific scenario and will depend on a multitude of factors about the business, the seller, and the buyer. We recommend you advise an M&A professional for further analysis. If the deal in question is one listed on Acquire.com, please feel free to reach out to us at support@acquire.com and we'll be happy to provide insights.
Where does seller financing lie on the capital stack vis a vis other debt company may have
In the capital stack, seller financing typically occupies a subordinated position relative to other forms of debt, but its exact placement can vary depending on the specifics of the deal. Please advise an M&A professional to get a more detailed answer.
Can you talk about the tax benefits of sellers on seller financing? Capital gains.
Seller financing may provide several tax advantages to the seller, particularly through the installment sale method, which allows the deferral and spreading out of capital gains taxes over the duration of the loan. This can result in lower overall tax liability, better cash flow management, and potential tax savings. However, it’s crucial for sellers to consult with a tax advisor or accountant to optimize the tax benefits and ensure compliance with local tax laws.
What if it is your first time buying a company as a buyer and you don’t have any references? what should be your reference in this case?
While not having direct references as a first-time buyer might seem like a hurdle, you can mitigate this by assembling a strong advisory team, preparing a solid business plan, demonstrating financial proof and stability, showcasing relevant experience, and proposing deal structures that reduce the seller’s risk. By being well-prepared and transparent, you can build the credibility needed to successfully navigate the acquisition process.
How is seller financing paid out? Direct from business bank account to the seller’s account at an agreed upon frequency? must be monthly like a mortgage or biweekly like a paycheck?
Seller financing payments are typically made directly from the business’s bank account to the seller’s account on a regular schedule, most commonly monthly, though the exact frequency can be customized. Payments can be structured in various ways to suit the needs of both the buyer and the seller, and should be clearly documented in the financing agreement to ensure compliance and avoid misunderstandings.
How do you usually guarantee that you get paid later on? You put the shares as guaranteed?
There are several strategies sellers can use to secure their position and ensure a higher likelihood they receive payment including, but not limited to: securing the loan with collateral, adding performance clauses and covenants, and having clear default terms and specified legal recourse. Please consult an M&A professional for more specific insights tied to your situation.
Is seller financing integrated into acquire.com or do I need to ask it to the seller?
Seller financing is not integrated into Acquire.com. It is something usually facilitated between the buyer and the seller. However, for certain deals under advisory by Acquire.com, we will work with the seller on financing terms and evaluating buyers. Please reach out to us at support@acquire.com if you're on Acquire.com and need seller financing support.
is it still a full acquisition or does the seller maintain some equity until the seller note is paid off?
Seller financing does not necessarily require the seller to retain equity; it can be structured as a full acquisition with the seller acting purely as a lender. However, in some cases, the seller might retain an equity stake until the note is paid off or for other strategic reasons. The decision depends on the negotiation between the buyer and seller, the level of risk involved, and the specific goals of both parties.
What are the guidelines to determine the terms, i.e. amount, accrued interest, risk of default, and etc, in the seller financing contract
Setting the terms for seller financing involves carefully considering the loan amount, interest rate, down payment, repayment term, and security to balance risk and reward for both the buyer and the seller. The terms should be tailored to the specific circumstances of the deal, taking into account the financial health of the business, the buyer’s ability to pay, and the seller’s risk tolerance. Proper legal documentation and professional advice are essential to protect both parties’ interests.
Do you see close with zero upfront payment?
While deals with zero upfront payment are rare, they can occur under certain circumstances, such as with highly motivated sellers, distressed sales, or when the buyer takes on existing debt or enters into performance-based agreements. These transactions are more complex and puts the majority of the risk on the seller, thus often requiring strong legal protections and creative structuring to ensure both parties are comfortable with the terms.
What happens if a disagreement arises after the transaction? Does Acquire retain a copy of the Seller Financing agreement for reference?
If a disagreement arises after the transaction, the resolution typically depends on the terms outlined in the seller financing agreement and the legal mechanisms in place. All disputes are mediated solely with the buyer and seller. Acquire.com bears no responsibility or liability for the seller financing terms agreed upon by the buyer and seller, as all such agreements are independently negotiated and executed between the parties involved. Acquire.com also does not retain copies of these agreements or get involved in post-transaction disputes.
How do you determine a fair interest rate?
To determine a fair interest rate for seller financing, a good place to start is by considering current market rates, the buyer’s creditworthiness, the stability of the business, and the length of the loan. The size of the down payment and the specific terms negotiated between the buyer and seller also play a significant role. The final rate should, in essence, reflect the risk involved. Please advise an M&A professional for your specific situation.
Do seller loans usually have a personal guarantee from the buyer?
Seller loans may frequently include a personal guarantee from the buyer, especially when the seller perceives a higher level of risk in the transaction. The personal guarantee may provide additional security by making the buyer personally liable for the loan if the business cannot repay it. While this is a common practice, it is negotiable, and both parties should carefully consider the implications before including a personal guarantee in the seller financing agreement. Please advise an M&A professional for better insights specific to your deal.
How far does Acquire.com go re: assisting with deal structures, evaluating the buyer (credit etc.), putting together the note etc.?
The M&A team at Acquire.com supports sellers across all facets of the acquisition process. For more technical stages and components such as putting together a seller note or more specific legal advising, we provide introductions against our trusted network of third-party professionals to offer support services.
Do you have sample seller note templates?
We currently do not, however, you can do a quick google search on "seller note" and instantly find a few.
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