SELL YOUR BUSINESS NOTE FOR CASH — PROMISSORY NOTE PURCHASE
Get Liquidity From Your Seller-Financed Business Note
If you’re holding a small business note, a seller note or a chattel mortgage, we can offer a simple path to liquidity, unlocking your stranded value and allowing you to move on with your financial goals and life-endeavors. At Seller Edge we can offer either an all cash purchase option or a hybrid sale option of cash and shares in our income-generating fund1,6. We will provide a custom-tailored solution for your unique situation no matter the circumstances. While many note sellers choose the cash option, many more choose the hybrid note sale option in order to generate debt-free capital while continuing to participate in the upside. This all while still reducing single-business risk. You get flexibility, certainty, and the chance to move on from a limited-liquidity asset.
How Selling Your Business Note Works (Escrow-Supported)
A simple 3-step process to close and get paid
Selling your business note doesn’t have to mean waiting years for payments. With Seller Edge, you can turn your note into immediate liquidity — without the complexity. In just three steps, we evaluate your note, present flexible offer options, and handle the rest so you get paid fast and stress-free.
1
SUBMIT YOUR NOTE (Documents + Payment History)
Tell us about your Seller Note
- Fill out a short form
- Share note details
- No commitment
We look at:
- Note balance & term
- Repayment history
- Collateral & guarantees
2
Receive Your Offer (Pricing, Valuation, Discount)
Receive a tailored bid fast
- Offer in 2–5 days
- Get cash or cash + shares
- Transparent terms
Program options:
- All Cash
- Hybrid (Cash + Shares)
- Full or partial note purchases
3
Close in Escrow & Get Paid (Cash Wired)
You choose and we handle the rest
- Close in days
- Cash wired, shares issued
- We service the note
Benefits include:
- Expedited liquidity
- Diversified risk (if hybrid)
- Zero admin headaches
What Is Your Business Note Worth? (Offer Price + Valuation)
Get an instant estimate of your promissory business note
If you’re holding a seller note, we offer a simple path to liquidity—either all cash or a mix of cash and shares in our income-generating fund1,6. Many sellers choose the hybrid to keep some upside while reducing single-business risk. Either way, you get flexibility, certainty, and the chance to move on from a limited-liquidity asset.
A detailed offer price is calculated using cash flow, risk, and time value
A business note is typically worth a percentage of its unpaid principal balance (UPB), depending on whether it’s performing and what lien position it holds. Performing 1st lien business notes often sell for 65%–95% of UPB, while performing 2nd lien business notes usually fall in the 45%–75% range.
Unpaid Principal Balance (UPB) of your Business Note
Are you selling a performing or non-performing business note?
Your lien position
Estimated Cash Offer Range
$65,000 – $95,000 (65%–95% of UPB)
The above calculator is an estimate. A cash offer requires a detailed verification. Start your note selling process now.
What We Buy and Our Criteria (Underwriting, Due Diligence, Creditworthiness)
Seller Edge Capital purchases seller-financed business notes (promissory notes) nationwide.
In order to move quickly and to price all assets accurately, we focus on a few core underwriting inputs.
Promissory Note Terms, Collateral, and Purchase Agreement review
We typically review:
- Purchase Agreement: deal structure and enforceability of the obligation
- Note Terms: current balance, interest rate, remaining term, and payment schedule
- Payment History: on-time payments, missed payments, and current status
- Borrower Strength: business performance and ability to repay
- Collateral & Guarantees: secured vs unsecured, personal guarantees, lien position
- Business Financials and Tax Returns: financial health of business
Checklist: Escrow Documents + Note Terms + Payment History
To get a quote, you don’t need a full data room. These basics help us underwrite quickly:
- Promissory Note (seller note agreement)
- Purchase Agreement / Asset Purchase Agreement
- Payment History or Servicing Records
- Remaining Balance and Payoff Details
- Security Instruments / Collateral Filings or Guarantee Language (if applicable)
Full or Partial Note Purchase
Depending on your goals, you may be able to:
- Sell the entire note (full offer) for maximum liquidity today, or
- Sell a portion of the note (partial offer) to get cash now while keeping some future payments
The strongest pricing usually comes from clear documentation, a health business, a consistent, predictable payment stream, and a reasonable remaining term.
Seller Note Programs: All Cash or Hybrid Cash + Shares
Providing Liquidity and Long-term Upside for Illiquid Note Holders
All-cash purchase (immediate liquidity)
Up to 85 cents on the dollar for full and partial note purchases
Immediate liquidity – more cash today
Locks in loss from the discounted purchase price
Lower overall purchase price
Hybrid cash + shares (yield + long-term upside)
Up to 95 cents on the dollar, with
a portion paid in cash and a portion paid in fund shares
Intended to be a higher purchase price
Turns a fixed payment debt instrument into an ownership interest in a fund with potential for an attractive dividend yield1,2,5
Holding the equity allows the seller to potentially recoup the initial discount through dividends and potential appreciation
Less cash today
Why Would I Want Shares in
Seller Edge Capital Fund, LLC?
Fund Yield
Seller Edge Capital’s fund’s target annual yield to investors of 12-15% (net of fees/losses)1,2,5.
Convert Debt Into Equity & Upside
Converts a fixed debt instrument with finite payment streams into equity in a debt fund that can potentially pay an attractive dividend yield.
By owning a portion as equity in a debt fund, potential for perpetual dividends payments and the ability to redeem shares for additional cash1,2,5.
Taking shares in the fund should allow the Note Seller to potentially recoup the discount via dividends and still have the opportunity to participate in any unpside of all the notes within the fund.
Diversify Risk
Why rely on only one business and one operator for repayment? Fund shares give exposure to a basket of diversified companies and operators that reduce your repayment risk.
SELL YOUR NOTE
Turn your Seller Note into Cash and Opportunity
If you’re holding a business note from a recent sale, you don’t have to wait years to get paid. Seller Edge Capital offers a quick and simple way to unlock liquidity by selling your note—either for immediate cash or a mix of cash and equity in our income-generating fund1,6. Submit your information to get a free, no-obligation quote.
FREQUENTLY ASKED QUESTIONS
Answers to Common Questions About Selling Your Seller Note
WHY TAKE SHARES IN FUND?
By taking shares in Seller Edge Capital Fund, you’re not just cashing out — you’re trading a single stream of risk for diversified upside. Instead of waiting years to be repaid by one buyer and one business, fund shares give you exposure to a professionally managed portfolio of seller notes across many companies and industries. This helps reduce your repayment risk while offering the potential to recover the discount over time through attractive quarterly dividends and long-term capital appreciation. It’s a way to unlock liquidity now while still participating in the growth of the broader small business economy4,5,6.
WHY AM I TAKING A DISCOUNT?
Seller notes are valuable — but they’re also illiquid, high-risk, and tied to a single operator over several years. There’s no open market for these notes, which makes them hard to sell and even harder to price. The discount reflects the time, risk, and effort it takes to underwrite and purchase a private business note — especially when the repayment depends entirely on a small business that may or may not perform as expected. We apply institutional credit standards, absorb the risk, and provide immediate liquidity that sellers can use today rather than waiting 3–10 years. In return, the discount gives investors a fair yield and gives you optional upside through fund shares, if you choose to retain exposure to the asset class.