Category: Market Insights
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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…
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Seller Notes Offer Funding Flexibility Amid Uncertain Rate Path
As the Federal Reserve continues to navigate a challenging economic landscape, dealmakers in the lower-middle market are adjusting to a shifting credit environment. In June 2025, the Fed’s dot plot retained the median forecast of two rate cuts by year-end. However, diverging views among Federal Open Market Committee (FOMC) members…
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Seller Notes Take the Lead in 2025 Lower-Middle-Market Transactions
Amid persistent interest rate pressures and reduced access to traditional bank credit, seller financing has become a defining feature of small and lower-middle-market M&A in 2025. Seller Edge Capital continues to monitor the segment closely and with growing investor attention. Below is a summary of key developments shaping the market…