Brokers & SCORE Counselors
honestdeed.com
Your business is worth more than a bank will let someone pay.
Seller financing lets you name your terms, earn monthly income, and close deals that banks won't touch. HonestDeed provides the infrastructure to make it safe.The Problem
You spent decades building your business. Now you want to sell and retire. But banks deny 45% of SBA loan applications — meaning nearly half of motivated, qualified buyers can't get financing.
The result? Your business sits on the market. Valuations drop. The buyer pool shrinks to cash-only purchasers who demand steep discounts. $150-250 billion in annual transactions fail because banks won't say yes.
The Solution: Seller Financing
Instead of requiring the buyer to get a bank loan, you carry the note. The buyer pays a down payment at closing, then makes monthly payments directly to you — with interest.
You earn monthly passive income, collect interest above the sale price, and spread capital gains across the life of the note (IRS Section 453). HonestDeed provides the platform so you and your buyer transact directly with institutional-grade safety.
Traditional Sale vs. Seller Financed
Traditional Bank Sale
- Buyer must qualify for SBA or bank loan (45% denied)
- 60-90 day underwriting, appraisals, contingencies
- Broker fees of 10-15% of sale price
- Full capital gains tax hit in year of sale
- Lump sum — deal is over
Seller Financed via HonestDeed
- Buyer qualifies based on ability to pay, not bank algorithm
- Close in days, not months
- Your commission structure stays — no extra fees to you
- Capital gains spread over life of note (installment sale)
- Monthly passive income + interest for years
Example: $500,000 Business Sale
Traditional Sale
Seller Financed
How HonestDeed Protects the Deal
Buyer Vetting
Identity verification & financial health assessment before signing
Deal Structuring
Legally reviewed promissory notes, UCC filings & compliance docs
Payment Processing
Automated ACH collection, late fee enforcement & IRS-ready records
Quarterly Monitoring
Buyer financial health checks every 90 days with risk alerts
Financing Transparency
Ongoing visibility into your buyer's financial health with proactive risk alerts
Note Marketplace
Sell your performing note to investors if you need liquidity
Ready to run the numbers on your business?
Use the free HonestDeed Seller Financing Calculator — no account required.