Sold your business on terms? Turn the remaining payments into one lump sum. Free quote, no obligation.
What are you selling?
Get my cash offer → Call 888-297-4099Free and private. No obligation to sell.
You sold your business, its equipment or other assets and agreed to be paid over time. Now you’d rather have the money today. CashNoteUSA reviews seller-financed business notes and can buy all or part of the remaining payments.
The example on the right shows how it works: the payments still owed to you become one lump sum at closing. Your borrower keeps the same terms and simply pays the new holder.
When a business changes hands, the seller often finances part of the price. The buyer pays a down payment and signs a promissory note for the rest, usually backed by a security agreement on the business’s assets, a UCC-1 filing, and often a personal guaranty from the buyer. Sometimes real estate secures the note too.
That note is an asset you can sell. A business note buyer pays you a lump sum for the remaining payments, and the payer keeps paying on the same terms to the new note holder.
Notes from the sale of an operating company, restaurant, shop, practice, trucking or service business.
Notes from selling trucks, machinery, tools or other business assets on terms.
Seller financing on the resale of a franchise location.
Business notes also secured by a building or land, which usually adds strength.
The payments are also backed by the buyer personally, or by the buyer’s other companies.
Notes secured by income property. See also our commercial note information.
Free, no-obligation quote. Most people only need the basic terms to start.
Don’t have everything? Start with what you have. You can upload documents securely, and we’ll tell you what’s missing.
Send the note terms, what was sold, the down payment and how many payments have been made.
We review the deal and tell you whether it fits and what options we see: full or partial purchase.
We verify payments, collateral, filings and the payer’s credit with your documents and permission.
The note and security interests are assigned to the buyer and you’re paid at closing.
Free, no-obligation quote. Most people only need the basic terms to start.
We weigh the down payment, collateral and guaranty more heavily, and a partial purchase is often offered.
We look to the personal guaranty, the owner’s other businesses and credit, and the real payment record.
We check whether it can still be filed and what else secures the note before making an offer.
We value the collateral as it is today, using the asset list, VINs and serial numbers.
We confirm the financed assets belonged to the person who financed them, so no creditor can claim them.
Tell us what’s missing. Copies from the closing attorney, escrow or bank often fill the gaps.
| Real estate note | Business note | |
|---|---|---|
| Main security | The property, through a recorded mortgage or deed of trust | Business assets through a security agreement and UCC-1; sometimes real estate |
| Collateral over time | Usually holds its value | Equipment and inventory lose value; goodwill depends on the business |
| What matters most | Equity, payment history, payer credit | The payer’s strength, guaranty, payment history and collateral together |
| Typical paperwork | Note, mortgage or deed of trust, settlement statement, title policy | Note, security agreement, UCC-1, guaranty, purchase agreement, asset list |
Holding a note secured by real estate? See selling a mortgage note.
If you haven’t closed the sale yet, a few choices now make your note much easier to sell later, at a better price:
Talk with your attorney about the exact documents for your sale.
| Sell the whole note | Sell part of the payments | Keep collecting | |
|---|---|---|---|
| Cash now | One lump sum for all remaining payments | A lump sum for a set number of payments | None; you receive payments over time |
| After that | You’re done collecting | Payments come back to you once the sold ones are paid | You keep collecting until payoff |
| Risk of non-payment | Moves to the note buyer | Shared: the buyer carries the sold payments | Stays with you |
| Fits you if | You want out completely or have a better use for all the money | You need a set amount now and want long-term income | The payer is reliable and you don’t need cash |
Not sure? Ask for a full and a partial quote at the same time and compare them side by side.
Enter the note’s terms to see what’s still owed, how many payments are left, and when payments would come back to you in a partial sale.
This calculator only does the math on your note’s terms. It is not an offer or a price; what a note sells for depends on the review described on this page.
Many business notes are sold within the first year or two. When only a few payments have been made, a note buyer has less history to rely on and the price reflects that. A partial purchase can help: we buy a set number of upcoming payments, you get cash now, and the remaining payments come back to you.
Ask for a full and a partial option in the same review and compare them.
Owner-financed homes, land and small rentals.
Notes secured by retail, office, industrial and multifamily property.
Private notes secured by real estate or other collateral.
Contracts for deed and installment land contracts.
For investors who want to buy performing notes.
Possibly. A new company has no track record of its own, so we look closely at the personal guaranty, the buyer’s other businesses and credit, the down payment and the payment history.
A filed UCC-1 that names you as the secured party makes a business note much stronger and easier to sell. If it was never filed, tell us; it affects what’s possible.
There’s no fixed minimum, but more on-time payments mean a stronger note. With only a few payments, a partial purchase is often the better route.
Yes, they receive notice of where to send payments after closing. Their terms don’t change.
That’s common. We need the documents that show who is obligated on the note today and what secures it.
No. The review and quote are free and there’s no obligation.
This is the form the “Get my cash offer” buttons lead to. Fill in what you know about your note; you don’t need every detail to start. A note specialist reviews it and calls you with a written offer. No cost, no obligation.
Want to read more first? See how the note selling process works or our FAQ.
