Vaultolio Seller financing

Deal instruments · Seller financing

What would a seller note look like?

Model the deal stack — buyer cash, bank or SBA loan, and the portion you carry as a seller note — and see the monthly payment, total interest, and what you ultimately collect. The ledger composes as you type.

Educational estimate, not an offer. This treats the seller note as a fully-amortizing loan over its term. It does not model SBA standby rules, interest-only periods, or balloon structures, and nothing here is an offer of financing or tax advice. Installment-sale tax treatment is a question for your own tax advisor.
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How the note payment is figured

The price splits three ways: buyer cash down, a bank or SBA loan (the remainder), and the seller note you carry. The note is amortized like any loan — principal, annual rate, and term set a fixed monthly payment — so you can see the payment, the total interest, and what you ultimately collect over the life of the note.

Want the trade-offs in plain English first? Read seller financing when selling a business. Not sure of your price yet? Start with the free valuation calculator.