Alternative to SBA Financing — Seller Notes Purchased After Closing
For those acquiring businesses, I wanted to share an alternative financing solution we’ve been working on. Through SellerBridge™ Acquisition Financing, we’re helping qualified buyers structure acquisitions using seller financing, while providing sellers an opportunity to cash out their seller notes rather than holding them for years. Here’s how it works: Buyers contribute approximately 20% equity toward the acquisition. The seller finances the remaining balance through a structured seller note. After 3 or more successful payments, the seller note may be purchased through our program, subject to underwriting and approval. Sellers receive a lump-sum payment for the purchased note, typically at a discount. Some key details: Seller notes up to $1 million ($300K–$1M sweet spot) Buyer credit score of 700+ Interest rates generally between 10%–15% Underwriting decisions typically within 2–3 weeks No traditional SBA loan required for this structure This could be particularly useful for acquisitions where traditional financing isn’t the ideal fit, or where a seller is hesitant to carry a long-term note. We’re interested in connecting with searchers, acquisition entrepreneurs, and business brokers who may have transactions that could benefit from this structure. Curious to hear from the community: Have you encountered deals where seller financing was possible, but the seller didn’t want to hold the note long-term? Happy to discuss the structure or review potential scenarios. Feel free to comment or send me a message. — Andre Maximize Exit Value | SellerBridge™