I've heard and read that owner financing on a small business is considered a strong endorsement, seeing that the seller is in part tying part of their exit to the continued success of the business.

I've also wondered though, if it is a way for some owners (specifically ones that have suffered life changing events such as illness, divorce, etc.) to exit a business with limited oversight (as you're not dealing with lenders, etc)? Does anyone else take a second pause when the seller immediately mentions they will entertain a seller's note, or should I just learn to accept 'yes' as an answer?