Sell your seller note
We buy seller-financed business notes across the United States, for cash or for cash and shares in our fund. A written offer takes 2–5 business days and costs nothing.
What your note is worth
Published ranges
| Note | Cash | With shares |
|---|---|---|
| Performing 1st lien | 65¢–85¢ | up to 95¢ |
| Performing 2nd lien | 45¢–65¢ | up to 75¢ |
How an offer is priced
From how reliable the payments are, the interest rate and the remaining term, the borrower’s finances, the health of the business, and the collateral and guarantees behind the note.
All cash
For the most cash on the day you close.
We buy the whole note or part of it outright and wire the price at closing. You take less than with shares, and the discount is final, but nothing is left waiting on the buyer.
Up to 85¢ on the dollar
Sell my noteCash + shares
For a higher price, with part of it in our fund.
Part of the price in cash at closing, part in shares of Notecrest Capital Fund, LLC, which holds many notes instead of your one. The shares have the potential to pay distributions and to win back the discount over time; you take less cash today.4,5,6
Up to 95¢ on the dollar
Sell my noteFirst, send us the note.
A short form with the balance, the terms and the payment record. No commitment.
We price it in 2–5 business days.
We read the note, the purchase agreement and the payment history, then send you a written offer.
You choose cash or shares.
All cash, or cash and fund shares, for the whole note or part of it.
Then you get paid.
We close through escrow and wire the cash; closing can fund in as little as 30 days. Then we service the note.
Abby walks you through it
Abby Shemesh, our Head of Acquisitions, on what we review in a note and how a sale goes from offer to funding.
What we ask for
Criteria
| Payments | On time, on record | Required |
|---|---|---|
| Lien | First or second position | Required |
| Note terms | Balance, rate, term | Priced |
| Purchase agreement | How the sale was made | Reviewed |
| Borrower | The business, its cash flow | Reviewed |
| Collateral | Assets, property, guarantees | Can raise the price |
| Down payment | The buyer’s own cash | Can raise the price |
Documents
| Promissory note | The signed note | Required |
|---|---|---|
| Purchase agreement | Asset or stock purchase agreement | Required |
| Payment history | Servicing records or bank statements | Required |
| Balance | Remaining balance and payoff details | Required |
| Security | Collateral filings or guarantees | If any |
Send the documents once you have our offer. You don’t need a data room; we will ask if anything else is needed.
Notes we bought
The latest three of the seven notes we have bought since November 2025: $2,602,814 in balances in all.
| Month funded | Business | State | Balance bought |
|---|---|---|---|
| August 2026 | Insurance agency book of business | South Carolina | $324,800 |
| August 2026 | Landscaping service | Alabama | $795,356 |
| August 2026 | Pizza restaurant | Florida | $354,303 |
Questions sellers ask
Which notes do you buy? Seller-financed notes from the sale of a business, anywhere in the United States, in first or second lien position, with payments on time. We look at the payment history, the note’s terms, the borrower and the business, the collateral and guarantees, and the documents.
How is my offer priced? From how reliable the payments are, the interest rate and the remaining term, the borrower’s finances, the health of the business, and the collateral and guarantees behind the note. Clear documents and a clean payment record get the best price.
Why is there a discount? A seller note is hard to sell: it is private, it depends on one business and one owner, and it pays out over years. The discount pays for that risk and that wait, and in return you have the money now.
Can I sell part of my note? Yes. Sell the whole note for the most cash today, or sell part of it: cash now for some of the payments, while you keep collecting the rest.
How long does a sale take? We send a written offer 2–5 business days after we have the note’s details. Closing through escrow can fund in as little as 30 days; complete documents make it quicker.
Rather talk first?
Leave your details and we will call to talk the note through. The questions that price it come next.
Prefer to call? (305) 356-1048
Pictures: Promissory note, James Walter Riley to John Tipton, 1824-08-20, public domain, via Wikimedia Commons.
