Does the SBA require sellers to hold paper? The owner I am working with doesn’t want a seller note. Regardless, I want the owner to have some skin in the game to assure me the business outlook is good. What have folks done in the past to get owners on-board for a seller note in the 10% range? My main concern is being an unattractive buyer if I press this too hard. The broker has told me that 12 buyers have meetings with the owner over the next few weeks. Ideas how to approach the conversation with the owner??