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Seller Financing Calculator
Estimate the payment obligations when a business seller finances part of the purchase price.
Seller Financing Calculator
Enter your numbers and the result updates straight away.
Outputs
Planning estimate only. Verify assumptions before making a financial decision.
A 20% seller note on an $800,000 deal creates a $160,000 note before interest and negotiated terms.
How this calculation works
The model calculates the seller-financed principal and applies the selected fixed rate, amortization, and balloon terms.
How to interpret the result
Review subordination, standby requirements, security, default remedies, and tax treatment with qualified advisers.
Limitations
Results are educational planning estimates. They do not include every tax, legal, accounting, financing, or business-specific consideration and are not professional advice.
Formula and example
A 20% seller note on an $800,000 deal creates a $160,000 note before interest and negotiated terms.
Common use cases
- Compare seller-note structures.
- Estimate the seller's interest income.
- Test the buyer's combined debt burden.
Seller Financing Calculator FAQ
Can a seller note have a balloon?
Yes. Seller notes commonly use a longer amortization schedule with an earlier maturity, but every term is negotiated.
Should the seller note be combined with senior debt?
Yes. A buyer should test total annual debt service, lien priority, standby requirements, and downside coverage across all financing.
How is Seller Finance calculated?
The model calculates the seller-financed principal and applies the selected fixed rate, amortization, and balloon terms.
How should I interpret the result?
Review subordination, standby requirements, security, default remedies, and tax treatment with qualified advisers.