Sell Your Business Note for Cash – Fast, Secure, and Top Dollar
Get a lump sum payout in as little as 2-3 weeks
Direct buyer • No broker fees • Free quote
We Buy Business Notes – Direct Buyer, Not a Broker
If you completed a business sale and carried back a seller financed note, we can help you convert those future payments into immediate cash. As a direct private note buyer (not a broker or intermediary) with our own funds, we offer a quick, hassle-free way to get a lump sum for your business note. You deal directly with the decision-maker, ensuring fast responses and no middleman delays.
Why Sell Your Business Note?
Holding seller notes provides steady income, but there are compelling advantages to selling your note for cash now:
Immediate Lump Sum Cash
Get a large cash payout instead of waiting years for payments. This capital can be used to invest in a new venture, cover expenses, or seize opportunities right away.
Eliminate Risk of Default
Once you sell the note, you no longer bear the risk of the buyer missing payments – we assume that risk. You secure your money upfront and avoid future uncertainties.
No More Collection Hassles
Free yourself from tracking payments or handling late payments. You won't need to enforce or service the loan anymore.
Clean Break & Peace of Mind
Selling gives you a clean break from the old business. Many business owners appreciate having cash in the bank rather than remaining tied to the previous business or its buyer.
Maximize Financial Flexibility
A lump sum improves your cash flow. Pay off debt, address tax obligations, fund retirement, or make large purchases. Some sellers find tax advantages by structuring note sales in portions over time, deferring income.
Why Choose Us – Direct Buyer Advantage
Not all companies that buy business notes are the same. Here's what sets us apart:
Direct Private Buyer
You deal directly with the investor buying your note – no brokers or intermediaries. This means a quicker process and no commissions taken from your payout. We fund with our own cash, allowing faster decisions and more competitive offers.
Highest Payout Offers
Our quotes are among the highest in the industry. Thanks to efficient funding and low overhead, we often pay more than other buyers. We aggressively price offers to ensure maximum cash value.
Fast Quotes & Closings
We provide a written cash offer within 24 hours. Once you accept, we can fund in as little as 10–15 business days (2–3 weeks) in many cases. Our streamlined process means quick closings with no unnecessary delays.
No Fees, 100% Free
There are no upfront fees or closing costs when you sell to us – we cover all costs of due diligence and closing. The amount we offer is what you receive with no surprises.
Easy, Hassle-Free Process
We handle the heavy lifting. From paperwork to due diligence, our team makes the sale process easy and transparent with step-by-step guidance.
Expertise & Trust
With years of experience in seller-financed notes, we understand the market inside-out. We've helped many note holders get cash out of their notes, even funding deals others turned down.
What Is a Business Note?
A business note is created when you sell a business and the buyer finances part of the purchase prices by making payments to you over time. Instead of the buyer paying the full amount upfront or getting a bank loan, you (the seller) extended financing. The buyer signed a promissory note agreeing to pay you monthly with an interest rate until paid off. This note is usually secured by the business's assets (via a UCC lien) and often backed by a personal guarantee from the buyer.
Key terms include the principal balance, interest rate, payment amount, payment schedule, and the term of the note.
Seller Financing Benefits: Owner financed deals help close business sales faster and at higher prices since offering financing attracts more buyers. However, as the note holder, you carry risk and must wait for your money. By buying your business note for cash, we let you enjoy immediate capital without the wait.
How the Process Works
We've made selling your business note simple:
Request a Free Quote
Contact us with basic note details (remaining balance, interest rate, payment amount, buyer info). Within 24 hours, we'll provide a competitive cash offer for full or partial purchase. No obligation – your quote is free.
Review & Accept Offer
We present our best offer as either a full purchase (entire remaining note) or partial purchase (portion of payments). You decide if you want to proceed. No pressure.
Submit Documentation
Once you accept, we'll need copies of:
- Promissory Note
- Business Asset Purchase Agreement
- Personal Guarantee
- UCC-1 filing
- Payment records
We'll guide you on what's needed.
Due Diligence
We evaluate the note and collateral, verify business assets, check the buyer's credit, and confirm payment history. We may speak with the payor to confirm satisfaction with the purchase.
Formal Agreement
We finalize a Note Purchase Agreement outlining sale terms, matching our offer. You review all terms and sign when ready.
Closing & Payment
We handle all logistics. Closing can be done by mail, electronically, or at an attorney's office. You receive payment in full at closing by cashier's check or wire transfer.
Factors That Affect Your Note's Value
Certain qualities influence how much we can pay:
Buyer's Equity (Down Payment)
Higher down payments equal lower risk and higher offers. A 30% down payment is much safer than 5%.
Collateral and Position
Strong collateral (equipment, inventory) secured in first lien position commands better offers. Unsecured notes or second position significantly reduces value.
Payment History & Seasoning
Notes with on-time payment track records are more valuable. We typically like to see 3–12 months of payments confirming the buyer's commitment.
Buyer's Creditworthiness
Strong credit scores and clean credit history indicate reliable payments, increasing your note's value. Major issues like recent bankruptcies can reduce offers significantly.
Remaining Term & Payments
The number of payments left and any balloon payment affect value. We often prefer notes without imminent balloons. Generally, we purchase up to 5–6 years of payments.
Interest Rate and Terms
Higher interest rates make notes more valuable because payments yield more return. Standard fully-amortizing notes with consistent monthly payments get strong offers.
Business Type & Performance
Some industries are steadier than others. We consider the business's financial health at sale and the buyer's experience. Established businesses with stable operations are safer bets.
Personal Guarantee
Notes personally guaranteed by the buyer add security and improve offers. We strongly prefer notes with guarantees, especially when the buyer is an LLC or corporation.
We account for risk and the time value of money when determining offers. Stronger notes get closer to face value. We aim to offer fair market value and always strive to get you the most cash possible.
Pro Tip: To maximize value, structure a solid note from the start – sizable down payment, reasonable interest rate, proper UCC lien documentation, and guarantee. If you haven't sold yet but are considering owner financing, consult us for tips on structuring the note to later purchase your business note at top dollar.
Partial Purchase Options
You don't have to sell the entire note. Partial sales allow you to get cash now while keeping some future payments.
We'll discuss options when making offers so you can choose what's best. Either way – full or partial – there are no fees, and we handle all paperwork.
Frequently Asked Questions
Can I sell part of my business note?
Absolutely. We offer both full and partial purchase options. You might sell a certain number of future payments or a percentage, keeping the rest. This flexibility lets you get cash now while still receiving some future income.
How quickly can I get my money?
Fast – often two to three weeks. Once you accept our offer, closing typically takes 10–20 business days. We provide cash offers within 24 hours of submission.
Are there any fees or commissions?
No – selling to us is 100% free. We cover all standard costs (underwriting, due diligence, escrow, recording). Unlike brokers, we don't take commissions. The offer we make is the net amount you receive at closing.
Will the payor be affected?
The sale is seamless – mostly an internal paperwork change. The payor will send future payments to us, but their payment amount and schedule remain the same. Selling has no negative effect on the person making payments.
How do you determine the offer price?
Pricing is based on present value of future payments and risk factors: interest rate, remaining term, buyer's credit, payment history, collateral, down payment. Stronger notes fetch higher percentages of unpaid balance. We strive to offer competitive, top-of-market prices.
Why must I sell at a discount?
It's standard in note-buying that cash offers are less than the remaining balance. The discount accounts for interest we need to earn and risks we take. Money in the future is worth less than money today. We keep discounts as small as possible while making it win-win.
What types of business notes will you buy?
We're interested in performing first-position business notes where a business was sold under buyer and seller agreements with the buyer making payments. We require personal guarantees if the payor isn't an individual. We look for notes with decent down payments (20%+ ideal) and solid payors. We don't purchase defaulted notes, unsecured notes, or second lien positions.
Get Your Free Quote Today
Ready to see how much cash you can get? Don't let your note sit idle when you could turn it into usable capital. Contact us today to provide note details and receive a no-obligation cash offer within one business day.
Unlock your money now – whether you want to invest in a new venture, tackle expenses, or gain peace of mind, we're here to help make it happen quickly and professionally. Join the many satisfied note holders who have trusted us to get the best value for their seller-financed notes.
Contact us today and discover what your business note is worth – you might be pleasantly surprised at the lump sum you could receive.