What is seller edge
Providing Liquidity for an Overlooked Asset Class
Seller Edge Capital is a private fund that specializes in the acquisition and purchase of small business promissory notes, nationwide. Seller Edge Capital is powered by a credit platform purpose-built to provide liquidity for your small business note which in turn will unlock value from seller-financed business transactions, without having to wait months or years for repayment. Backed by decades of credit, and note trading experience, we bring institutional discipline, proprietary sourcing, and AI-enhanced underwriting to a fragmented market—delivering liquidity to sellers and double-digit yields to investors1,2,5.
Are you collecting on a small business note?
Unlock Liquidity from Your Note—Without Waiting Years
If you’re holding a seller-financed business note, you don’t have to wait 3–10 years to get paid. We can provide immediate liquidity options today. Seller Edge can offer an all cash purchase or a hybrid option of an immediate lump sum of cash and a portion of our fund’s shares—so you can access capital today. Complete our quick, online form to get a quote and explore your options now.
What is a seller note?
A Common Financing Layer in Small Business Transactions
Small Business Notes or Seller Notes are loans in which the seller of the small business finances a portion of the purchase price of the business to the new buyer in exchange for a down payment and payments made over time with interest. This is commonly used when buyers cannot secure full bank financing in order to complete the sale of the business, due to a lack of small business loan products within the greater banking market. Seller financing is very common in business sales under $100M and in transactions in the sub $20M range, with an emphasis on most loans being first lien assets. Almost all notes are amortizing, with a typical repayment schedule over a 3–10 years bearing a market-comparable interest rate. Sellers are often stuck holding illiquid, non-tradable notes stranding their value.
Seller Note bridges buyer financing gap
Seller takes on risk, waits for payout
No liquid market for these notes
How selling your note works
A Simple Process to Unlock Capital from Your Seller-Financed Deal
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
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
GET YOUR OFFER
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 & GET PAID
- Close in days
- Cash wired, shares issued
- We service the note
You choose and we handle the rest
Benefits include:
- Immediate liquidity
- Diversified risk (if hybrid)
- Zero admin headaches
Our seller note programs
We Offer All Cash or Hybrid Cash & Fund Shares Programs
Providing Liquidity and Long-term Upside for Illiquid Note Holders
ALL CASH PURCHASE
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 & FUND SHARES
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 yield
Holding the equity allows the seller to potentially recoup the initial discount through dividends and potential appreciation4,5,6
Less cash today
Benefits of Seller Edge
Aligned Incentives and Mutual Gains
Whether you’re a business owner seeking a strategic exit or an investor searching for reliable returns, Seller Edge Capital offers a structured, secure pathway forward — built on trust, transparency, and tailored seller note programs.
BENEFITS TO BUSINESS NOTE SELLERS
Immediate Cash
Flexible Purchase Options
Certainty of Execution
Diversification for Estate Planning
Optional Equity Shares in Fund
Removal of Administrative Burdens
BENEFITS TO BUSINESS NOTE BORROWERS
Working Capital Lines of Credit Available
Institutional Credit Relationship
Strong Capital Partner for Future Deals
Potential for Reporting to Credit Agencies
Simplified Payment Processing Options
SELLER EDGE CAPITAL news
Insights, Updates, and Opportunities
Stay informed with the latest insights from Seller Edge Capital — including industry trends, educational content on seller financing, and real-world stories that impact business owners and private investors alike.
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The Data-Driven Case for Seller Financing in Business Transitions
The numbers tell a compelling story. According to, 48% of business sales transactions now involve seller financing—making it the single most common element in successful deal structures. This isn’t an anomaly; it’s the new normal in small business M&A. Understanding the Market Dynamics Deal Size Buyer’s Equity Senior Debt Seller…
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Seller Financing – The Strategic Bridge in Small Business M&A
Small businesses represent the backbone of the U.S. economy, contributing 43.5% of GDP. Yet the path to successful ownership transitions faces significant headwinds. With traditional lending increasingly constrained and deal complexity rising, seller financing has evolved from a fallback option to a sophisticated strategic tool that creates value for all…
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OBBB Shifts the Seller Note Equation in Small-Business Exits
The signing of the Opportunity for Business Builders and Buyers (OBBB) Act into law introduced a major turning point for small-business transactions. Designed to modernize the tax code for main-street and lower-middle-market M&A, the legislation has significant implications for deal structures involving seller financing. Seller Edge Capital has reviewed the…