What We Offer
What Is a Business Note & How Can You Sell It?
When you sell a business and agree to finance part of the purchase price — allowing the buyer to pay you in monthly installments over time rather than paying the full amount upfront — the legal document that records this agreement is called a business note (also known as a seller-financed note or owner-carry note).
Holding a business note means you receive regular monthly payments from the buyer, which can feel like a reliable income stream. However, it also means you’re tied to the performance and financial health of the buyer and the business for years to come. If your circumstances change — or if you simply want access to your equity now — waiting years for the full balance to be paid isn’t your only option.
First Capital purchases business notes, providing you with an immediate lump-sum cash payment in exchange for the future monthly payments you’re currently receiving. Our process is fast, straightforward, and designed to give you the best possible value for your note.
Simple Process
How Business Note Purchasing Works
Submit Your Note Information
Complete our free application with details about your business note including the business type, sale price, remaining balance, payment history, and buyer information.
We Evaluate & Make an Offer
Our specialists evaluate your note based on the business type, buyer’s payment history, remaining term, collateral, and other relevant factors. We present a competitive cash offer within 48 hours.
Close & Receive Your Funds
Once you accept our offer, we handle all the paperwork and closing process. Funds are typically disbursed within 2–4 weeks of accepting our offer.
Eligibility
Does Your Business Note Qualify?
Here’s what we look for when evaluating a business note for purchase.
Why Sell Your Business Note Now?
Holding a business note ties your financial future to someone else’s ability to run a business successfully. Selling your note eliminates that risk entirely and gives you immediate access to capital you can put to work on your own terms — whether that’s investing, starting a new venture, or simply enjoying financial security.
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Why Choose Us
Why Sell Your Business Note With First Capital
Expert Note Buyers
Our team has decades of experience purchasing business notes. You’re in expert hands from application to funding.
Eliminate Buyer Risk
Selling your note eliminates your exposure to buyer default, business failure, and years of collection headaches.
Fast Closing
Once you accept our offer, we handle all the paperwork and fund you within 2–4 weeks.
Full or Partial Purchase
Sell all or just a portion of your remaining payments — whatever best fits your current financial needs.
Competitive Offers
We evaluate every note on its own merits and provide fair, competitive offers with complete transparency.
Immediate Cash Payout
Stop waiting for monthly installments. Get your full equity as an immediate lump-sum cash payment.
Common Questions
Business Note FAQs
Here are the most common questions we hear about business note purchasing. For more answers visit our full FAQ page.
What types of businesses qualify?
We purchase notes from a wide range of seller-financed business sales including retail, service, restaurant, manufacturing, and professional businesses. Contact us to discuss your specific situation.
What if my buyer has missed payments?
We primarily purchase performing notes where the buyer is current on payments. Non-performing notes are evaluated on a case-by-case basis. Contact us to discuss your options.
How is the purchase price determined?
The purchase price is based on several factors including the remaining balance, interest rate, remaining term, buyer payment history, business type, and collateral. We provide a detailed breakdown with every offer.
Do I need to notify the buyer?
Yes. When a business note is sold, the buyer must be notified to direct future payments to the new note holder. We handle all notification requirements as part of the closing process. Apply now to get started.
Ready to Unlock Your Business Equity?
Get the Cash You Need
While You Wait for Justice
Get a free, no-obligation offer on your business note today. Our specialists are standing by to evaluate your note and provide a competitive cash offer.