Why use TCF? It's Simple ... We Pay You the Most CASH, Every Time!
The "We Simply Pay You More" Guarantee:
If you get a better offer for your cash flow ... WE'LL BEAT IT, PERIOD!

Business Note Buyers - Selling A Business Note - Business Brokers

Did you sell a business and provide seller financing? Are you now receiving payments on that business note over time? Did you know you can turn those business note payments into a lump sum of cash, right now? If you are considering the possibility of selling your business note and would like to receive the largest lump sum of cash possible, we can help! We are a national business note buyer and we can purchase business notes in all areas of the country, with or without real estate. We will pay you top dollar for all, or just a portion, of your remaining payments.

We Pay Premium CASH Prices for Business Notes

Since most business notes are typically secured by nothing more than the buyer's good credit and their promise to pay, we do observe some basic underwriting guidelines.

Basic Underwriting Requirements Does your note meet these criteria?

Here is how we will quickly determine if your note qualifies for funding (items are listed in order of importance):

Item	Standard Criteria	Comments
Worksheet completed	Complete Worksheet	If we don't have a completed worksheet, we have nothing to evaluate
Down payment & principal reduction on note (combined)	30% minimum of purchase price combined	Down payment should be all cash, not borrowed
Payer credit	600 FICO minimum	No major derogatories (ie BK, 180 deliquency, etc.); credit since business purchase should be emphasized
Seasoning (the number of monthly payments already made)	3 months minimum	The more seasoning, the higher our purchase offer will be
Personal guaranty	Required from principal stockholder or partner	Can be waived if note has substantial seasoning or if CPA prepared financials show significant cash flow
Term of note	72 months maximum	60 months or less is preferable
Position of lien	1st	Second lien possible if seller's CPA audited financial statements or tax returns show enough cash flow to service both 1st and 2nd lien
Balloon payments	None	Discouraged except in cases where small balloons can be amortized at same note payment within 24 months
Motivation for note sale	Be sure to find out seller's reason for selling	Screen to see if seller is trying to sell note because of knowledge of a deteriorating business

* General guidelines ONLY - Each business note is evaluated on it's own merit.

Receive a FREE no obligation quote, or call us toll-free at 623.536.0896. We take pride in providing you the highest possible price for your business promissory note. Call today and speak directly with a friendly business note buyer, and we will gladly answer any questions you have regarding the sale of your business note.

Click Here For Commercial Real Estate and Commercial Mortgages

Depending on how much cash you need, we can either purchase all of your remaining business note payments, or just a portion of them. If we do a partial purchase, you would receive the cash that you need now, and still retain the right to receive a portion of your future business note payments.

If you are considering the possibility of selling your owner financed business note and would like to receive a lump sum cash payout now, we can help! We are nationwide business note buyers, we purchase business notes in all areas of the country, and we buy notes with or without property. Sell your business note quickly for FAST CASH.

We Pay Premium Prices for Quality Paper!

The Purchase Process

1. Give us the details via our request a quote worksheet, or call us toll-free at 623.536.0896 and we can complete it over the phone. We will also need you to fax a copy of the business promissory note to 623.321.1715 so we may review the terms and structure of the security instrument.

2. We will provide a quote for the highest possible price for your business note.

3. Upon acceptance of our offer we will email or fax a business note purchase agreement and a checklist of the documents we will need to fund your transaction. Once you have gathered the required documentation, you will forward it to us.

4. After we review the documents, we will send you a purchase contract stating the price and terms of the purchase. Upon return of the signed contract we will prepare the closing documents.

5. You will review, sign and return the closing documents. Once received, the documents will be recorded and the funds will then be wired to your account or express mailed to you. If it is not convenient for you to use a closing agent for some reason, we will make other arrangements to close the transaction and FedEx your check to you.

The popularity of seller-financed business note transactions is at an all-time high because it allows for:

Despite these benefits, a note holder's circumstances often change, making the option of taking a large lump sum cash payment now more appealing and useful than the smaller monthly payments. If you have sold a business and opted to carry a note for the new owner, we can cash you out of your business note and provide you with the capital you need for a new business venture or any other financial need you may have.

As leading national note buyer, we have the experience, resources, and know-how to get your business note purchase completed in a fast, efficient and professional manner. Because we are business owners, we understand your situation and take pride in offering the highest possible price for your business note, as well as providing you with a fast, hassle-free closing experience. We can get you cash for your future business note payments often in as little as 10-15 business days. 

We are dedicated to helping business note holders nationwide convert their long-term payment streams into large lump sums of cash as quickly as possible.

How to create a marketable business note

Important tips on selling your business note

Click here to sell a business note, or call us today at 623.536.0896, or email us.