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Nationwide Buyers of Business Notes, Real Estate Mortgage Notes, Land Contracts, and Private Deeds of Trust
Sell Your Business Note Fast with America’s #1 Business Note Buyers
If you’ve sold a business and are receiving monthly payments from the buyer, you own what’s known as a business note. These notes, also called seller-financed business notes, represent a legal agreement where the buyer pays you over time for the purchase of your business.
Instead of waiting years to collect your payments, you can sell your business note for cash now. That’s where the #1 Business Note Buyers, First Capital comes in.
What Is a Business Note?
A business note is a promissory note secured by the assets or goodwill of a business that was sold with seller financing. Essentially, it’s a written promise from the buyer to make regular payments to the seller (you) until the full purchase price is paid.
Business notes are common when:
A business sale includes owner financing instead of a traditional bank loan
The buyer makes monthly or quarterly payments with interest
The seller holds the note until it’s fully paid or decides to sell it for immediate cash
Selling your business note provides immediate liquidity and eliminates the risk of future missed payments or default.
How the Business Note Selling Process Works
You can choose to sell your entire note or just a portion of the remaining payments—giving you the flexibility to access cash while still keeping some income flow.
At First Capital, we make selling your business note simple, transparent, and fast.
- 1. Request a Free Quote Submit your business note details—no obligation and no credit checks required.
- 2. Get a Fair Cash Offer Our experienced note buyers will quickly evaluate your note’s value and provide a competitive offer based on the balance, payment terms, and buyer’s credit profile.
- 3. Fast Funding Once you accept our offer, we handle all the paperwork and close quickly. Most sellers receive cash within days, not weeks.
Our Business Note Buyers Parameters
No matter the size or structure of your note, First Capital has the resources and experience to fund your deal nationwide.
Types of Business Notes We Buy
- Seller-financed business notes
- Small business notes
- Franchise sale notes
- Partial business sale notes
- Corporate buyout notes
- Private business transaction notes
Other Criteria - Not all criteria need to be met, but generally the most important factors are:
Down Payment – 20%
Payor Credit – No minimum FICO*, but no major derogatories.
Seasoning – Minimum of 1 monthly payment made.
Lien Position – First preferred, second possible depending on business cash flow and CLTV**
Balloon Payments – Balloon payments considered if the # of remaining months until the maturity date plus the # of months needed to amortize the balloon (at the current monthly payment) is less than 72 months.
Max # of Payments We Can Purchase – 72 monthly payments; in cases where maturity >72 mos., we can purchase a partial of up to 72 monthly payments.
Max/MInPurchase Amount – Maximum quote of up to $600K on any one note; no minimum.
* FICO = experian credit score
** CLTV = combined balance of all encumbrances to business value
Why Sell Your Business Note to First Capital?
First Capital is recognized nationwide as the #1 Business Note Buyer in the USA, trusted by business owners coast to coast. Here’s why:
✅ Top Dollar Offers – We deliver some of the most competitive purchase prices in the industry.
⚡ Fast Closings – Get your money quickly—often within 7 business days.
🔒 Secure Transactions – Licensed, bonded, and experienced in all 50 states.
💼 Expert Guidance – Our specialists handle everything from valuation to funding.
🏆 Proven Track Record – Thousands of satisfied clients have trusted us for over 20 years.
When you work with First Capital, you’re working with the most trusted name in note buying. Whether your business note is large or small, performing or non-performing, we’ll structure a deal that meets your financial goals.
Request Our FREE booklet:
“The Note Holder’s Handbook.”
Get more information on the value of your note from the nation’s best business note buyer.
Don’t wait years to collect your money—turn your future payments into immediate cash today.
👉 Contact First Capital now for your free, no-obligation business note quote and discover why we’re America’s leading Business Note Buyers.
Call 1-800-497-7701 or fill out our easy quote form for your FREE no obligation quote today!