UNLOCK LIQUIDITY
Flexible Exits for Seller Notes with Upside Potential
If you’re holding a small business note, a seller note or a chattel mortgage, we can offer a simple path to liquidity, unlocking your stranded value and allowing you to move on with your financial goals and life-endeavors. At Seller Edge we can offer either an all cash purchase option or a hybrid sale option of cash and shares in our income-generating fund1,6. We will provide a custom-tailored solution for your unique situation no matter the circumstances. While many note sellers choose the cash option, many more choose the hybrid note sale option in order to generate debt-free capital while continuing to participate in the upside. This all while still reducing single-business risk. You get flexibility, certainty, and the chance to move on from a limited-liquidity asset.
HOW SELLING YOUR NOTE WORKS
A simple process to unlock capital from your seller-financed deal
Selling your business note doesn’t have to mean waiting years for payments. With Seller Edge, you can turn your note into immediate liquidity — without the complexity. In just three steps, we evaluate your note, present flexible offer options, and handle the rest so you get paid fast and stress-free.
1
SUBMIT YOUR NOTE
Tell us about your Seller Note
- Fill out a short form
- Share note details
- No commitment
We look at:
- Note balance & term
- Repayment history
- Collateral & guarantees
2
GET YOUR OFFER
Receive a tailored bid fast
- Offer in 2–5 days
- Get cash or cash + shares
- Transparent terms
Program options:
- All Cash
- Hybrid (Cash + Shares)
- Full or partial note purchases
3
CLOSE & GET PAID
You choose and we handle the rest
- Close in days
- Cash wired, shares issued
- We service the note
Benefits include:
- Expedited liquidity
- Diversified risk (if hybrid)
- Zero admin headaches
WHAT’S YOUR NOTE WORTH?
Get an Instant Estimate
If you’re holding a seller note, we offer a simple path to liquidity—either all cash or a mix of cash and shares in our income-generating fund1,6. Many sellers choose the hybrid to keep some upside while reducing single-business risk. Either way, you get flexibility, certainty, and the chance to move on from a limited-liquidity asset.
OUR PROGRAMS FOR SELLER NOTE HOLDERS
Providing Liquidity and Long-term Upside for Illiquid Note Holders
All Cash Purchase
Up to 85 cents on the dollar for full and partial note purchases
Immediate liquidity – more cash today
Locks in loss from the discounted purchase price
Lower overall purchase price
Hybrid Cash & Fund Shares
Up to 95 cents on the dollar, with
a portion paid in cash and a portion paid in fund shares
Intended to be a higher purchase price
Turns a fixed payment debt instrument into an ownership interest in a fund with potential for an attractive dividend yield1,2,5
Holding the equity allows the seller to potentially recoup the initial discount through dividends and potential appreciation
Less cash today
Why Would I Want Shares in
Seller Edge Capital Fund, LLC?
Fund Yield
Seller Edge Capital’s fund’s target annual yield to investors of 12-15% (net of fees/losses)1,2,5.
Convert Debt Into Equity & Upside
Converts a fixed debt instrument with finite payment streams into equity in a debt fund that can potentially pay an attractive dividend yield.
By owning a portion as equity in a debt fund, potential for perpetual dividends payments and the ability to redeem shares for additional cash1,2,5.
Taking shares in the fund should allow the Note Seller to potentially recoup the discount via dividends and still have the opportunity to participate in any unpside of all the notes within the fund.
Diversify Risk
Why rely on only one business and one operator for repayment? Fund shares give exposure to a basket of diversified companies and operators that reduce your repayment risk.
SELL YOUR NOTE
Turn your Seller Note into Cash and Opportunity
If you’re holding a business note from a recent sale, you don’t have to wait years to get paid. Seller Edge Capital offers a quick and simple way to unlock liquidity by selling your note—either for immediate cash or a mix of cash and equity in our income-generating fund1,6. Submit your information to get a free, no-obligation quote.
FREQUENTLY ASKED QUESTIONS
Answers to Common Questions About Selling Your Seller Note
WHY TAKE SHARES IN FUND?
By taking shares in Seller Edge Capital Fund, you’re not just cashing out — you’re trading a single stream of risk for diversified upside. Instead of waiting years to be repaid by one buyer and one business, fund shares give you exposure to a professionally managed portfolio of seller notes across many companies and industries. This helps reduce your repayment risk while offering the potential to recover the discount over time through attractive quarterly dividends and long-term capital appreciation. It’s a way to unlock liquidity now while still participating in the growth of the broader small business economy4,5,6.
WHY AM I TAKING A DISCOUNT?
Seller notes are valuable — but they’re also illiquid, high-risk, and tied to a single operator over several years. There’s no open market for these notes, which makes them hard to sell and even harder to price. The discount reflects the time, risk, and effort it takes to underwrite and purchase a private business note — especially when the repayment depends entirely on a small business that may or may not perform as expected. We apply institutional credit standards, absorb the risk, and provide immediate liquidity that sellers can use today rather than waiting 3–10 years. In return, the discount gives investors a fair yield and gives you optional upside through fund shares, if you choose to retain exposure to the asset class.