Business Note Buyers Nationwide

Sell Your Business Note for Cash. Get a Written Offer in 48 Hours.

We are direct business note buyers funding owner financed promissory notes from every state. No broker fees, no application charges, no surprises at closing. One simple offer in writing, then funding in 21 days or less.

✓ Direct funding, no middleman ✓ Free quote, zero obligation ✓ Closings in all 50 states

Get Your Free Cash Offer

Tell us about your note. We reply within one business day.

What We Do

What Are Business Note Buyers?

A business note buyer is a private investor that purchases owner financed promissory notes from sellers who carry paper after selling a business. We are direct buyers. Your offer comes from the same firm that funds the deal.

Direct Buyer, Not a Broker

When you sold your business and accepted payments instead of one lump sum, you created a business note. That note is an asset. It can be sold today for cash. The question is who pays the most for it and who funds the closing themselves.

Most websites calling themselves note buyers are brokers. They shop your note around, take a fee on top, and add weeks to the timeline. We are not brokers. We use our own capital to buy your note, which means a faster decision, a cleaner price, and a single point of contact from quote to close.

We buy performing seller financed business notes nationwide
We purchase full notes or buy a partial position
We work with notes secured by business assets, real estate, or both

Note buyer reviewing a business note document at a desk — Photo by Kampus Production on Pexels

Why Sellers Cash Out

Why Sell Your Business Note Now

Carrying paper made the sale possible. Holding it for years rarely matches what sellers actually want once the deal closes.

Eliminate Buyer Default Risk

The buyer of your business owes you for years. Their cash flow, management decisions, and market shocks all sit on your balance sheet. Selling the note transfers that risk to us in full.

Get a Lump Sum for the Next Move

A retirement account, a real estate purchase, a new venture, or estate planning. Monthly payments do not fund any of those at the scale a single check does. Selling your business note frees the capital you already earned.

Simplify Your Tax Picture

Installment sales create yearly reporting that ties you to a business you already left. A single closing gives your accountant a clean event and ends the paperwork that comes with carrying paper.

Pricing

How Much Will We Pay for Your Business Note?

Every business note buyer calculates a discount rate. The cleaner the note, the smaller the discount, and the closer your offer comes to face value.

What Drives Your Offer

We underwrite every business note we buy on three axes. Strong marks on all three put your note in our premium tier, where pricing is most competitive.

1. Payment History

A note with 12 or more payments made on time, with no late stamps and no modifications, prices best. Fresh notes still trade. They just price wider.

2. Buyer Credit and Cash Flow

The person making payments matters more than the business itself. A buyer with strong personal credit and a business with steady deposits earns a tighter rate.

3. Collateral Position

Notes secured by real estate or by hard business assets price better than notes secured only by the buyer signature. Position on title also matters when other liens are stacked on the same property.

Close-up of a fountain pen signing a business note contract — Photo by energepic.com on Pexels

The Process

How to Sell Your Business Note in 4 Steps

From the first form to wired funds. Most sellers complete every step from their desk.

Submit Your Note

Fill out the short form on this page or call our Denver office. We collect the basics in five minutes.

Receive Your Offer

Within 48 hours you receive a written cash offer with full pricing, no obligation, no fees.

Sign and Send Docs

Upload the note, security agreement, and payment history. We handle title work and closing prep.

Get Funded

Funds wire to your account in 21 days or less. The buyer keeps paying, only now they pay us.

What We Purchase

Types of Business Notes We Buy

If a buyer signed paper to acquire a business and a seller is collecting payments, the note is in our lane.

Owner Financed Business Notes

The classic seller carry. You sold the business, the buyer signed a promissory note, and payments are arriving on schedule. This is our core purchase.

Commercial Notes Secured by Assets

Notes backed by equipment, inventory, FF&E, or real estate carry stronger pricing because the collateral protects the position if anything goes wrong.

Partial Purchases

You do not have to sell the whole note. Many sellers sell the next 60 or 84 payments for cash and keep the remainder of the income stream.

Common Questions

Business Note Seller FAQ

The five questions we answer most often. Have a different one?
Call us directly at (303) 562-1132.

How much can I sell my business note for?

Pricing depends on payment history, the buyer credit profile, the note interest rate, the remaining term, and the collateral position. Performing notes with 12 or more clean payments and strong personal credit on the maker side typically price in the 75 to 90 percent range of unpaid balance. We provide a firm written number after we see the note and the payment record, not a guess on the phone.

How long does the funding process take?

Two business days to a written offer. Twenty one days or less from acceptance to wired funds. We move faster when the seller responds quickly with the documents we request. The slowest part of every file is usually waiting on a title search in the buyer state.

Do you buy non performing business notes?

Yes, on a case by case basis. The pricing is different and the underwriting takes longer because we have to model the recovery, but we have a desk for distressed paper. Send the note and the last payment record and we will tell you within 48 hours whether the file fits.

What documents do I need to provide?

The promissory note, the security agreement or deed of trust, the original purchase agreement for the business, a payment history showing the last 12 months, and a copy of the buyer driver license. If your closing attorney has a file, it usually contains everything we need in one package.

Will the buyer know I sold the note?

Yes. The buyer receives a notice of assignment that tells them to send future payments to our servicer. Nothing else changes for them. Same payment, same due date, same amount. We handle the transition professionally so the relationship you built with the buyer is preserved.