OnwardWould you carry a seller note, and for how long?
A buyer has asked me to carry 10% for five years. I'd rather be paid at closing, but I understand it helps the financing. Owners who did this: would you do it again?
2 answers
BrokerIdentifiedOct 22, 2026Most deals I see with an SBA loan have one, and it often makes the difference to the lender. The things to get right: whether it's on standby and for how long, and what happens if payments stop. Your attorney should set those terms, not the buyer's.
Marcus R.BuyerQualifiedOct 23, 2026As a buyer, a seller note tells me you believe the business will keep paying after you leave. I'd take a slightly higher price with a note over a lower one without.
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