Structure business acquisition as 10% cash + 90% seller note — tax-efficient for seller, near-zero-down for buyer.
Seller-note-heavy structure: buyer pays 10–20% cash at close, seller carries 80–90% as promissory note (5–10 year term, 5–8% rate, monthly P&I). Seller wins: (1) installment-sale tax treatment (spreads gain over years), (2) higher headline price for accepting the note, (3) ongoing income. Buyer wins: near-zero-down, no bank underwriting, faster close, defense against seller misrepresentation via right-of-offset. Stack with SBA on top for hybrid deals.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Sell your C-corp stock for up to $10M tax-free.
Bridge valuation gap and reduce upfront cash with earn-outs.
Shift income between entities to optimize tax and asset protection.
Buy the company you already run with minimal cash.
Raise capital to find and buy a business you'll run as CEO.
Buy a $1–5M profitable business with 10% down.
Buy $100–500k businesses fully seller-financed.
Start agency at $0, acquire competitors on seller notes.