Working capital on a seller-financed trades deal

Self-funded searcher here, closing in on an LOI for a project-based trades/contractor business. Going the seller-financing route rather than SBA, and I want to get the working capital right from the start so I'm not strangled in the first few months or held back from growth later. Cash is tight at close and I won't run negative. For those who've bought a trades company on a seller note, I'd love to hear how you handled a few things: AR: did you buy the receivables, leave them with the seller, or true them up with a net working capital peg? If you bought the AR, how did you price it and how did you finance it? Anyone regret rolling AR into the long-term note instead of handling it separately? LOC: is it realistic to have a line of credit in place at close on a seller-financed deal, or is that strictly a post-close move once you own the assets and can show a bank collateral? Who did you go to and how long did it take? Seller leaving cash in the business: did you negotiate this, and if so how was it structured (financed into the note, a peg, a holdback)? Did the seller push back hard? Note structure: did anyone get an interest-only period or a step-up/graduated ramp on the seller note to ease year one? Were sellers open to it once they understood they keep earning on the balance? And the open-ended one: if you could redo your trades acquisition, what would you change about how you set up working capital? Trying to learn from people who've lived it. Appreciate any war stories, good or bad.