Trusted Business Note Buyers With a Proven Buying Process
We purchase business notes and seller-financed promissory notes nationwide. Free quotes. No fees to you. 96% closing rate.
Get Your Free QuoteIf you wish to sell your business note, sell a business loan, sell a chattel mortgage, sell an asset purchase agreement, or sell a security agreement, AX can fulfill all of your funding needs and can get you the capital you require. When you get the lightbulb-moment idea to sell business promissory note, come and see what we can do for you and get funded quickly!
Performing and Non-Performing Business Notes Explained
Business Note Value Calculator for Note Holders
Pricing Factors Used to Value Business Notes
The above calculator is an estimate. A cash offer requires a detailed verification.
Why Business Note Buyers Pay More When You Sell Business Note
If you’re wondering how to sell my business note, or you’re tired of acting as the bank after selling your small business and owner-financing the loan with a business note, AX can offer a sound and painless exit strategy.
If you currently hold, or have created, a business note that you want to sell now, simply contact us today to get started.
If you have not yet sold your small business, and you or your client is thinking about owner-financing the business loan, AX will guide you on how you can maximize your cash payout from a business note buyer.
Our Track Record Buying Business Notes Nationwide
We are the fastest growing owner-financed business note buyers in the country today, with over two decades of experience purchasing business notes nationwide and a long track record of positive client reviews reflecting our consistency, transparency, and reliability.
Fast Funding From Experienced Note Buyers
When you sell a business promissory note on the secondary market, we can fund the purchase in as little as 15 business days.
Selling a Business Note has Never Been Easier
When selling a business note on the secondary note market to a business note buyer, ensuring that you are dealing with the right funding source is crucial. This is especially true when your primary objectives are: to find a funding source that performs efficiently and effectively, and of course, to receive the most money possible when selling your business note.
We at AX have been operating as a business note buyer for over 20 years, which has given us the in-depth note business experience and industry knowledge to successfully and effectively fund your business note sale in as little as 15 business days.
Competitive Pricing for Business Notes
Aggressive Offers and Pricing
Our pricing reflects current market conditions, note valuation fundamentals, and risk-adjusted returns expected by experienced business note buyers and investors. By evaluating cash flow, collateral strength, and borrower credit, we are able to make competitive offers that balance certainty for sellers with fair market value.
Professional Business Note Buying Experience
Unmatched Professionalism and Client Courtesy
Selling a business note involves financial decisions, documentation, and due diligence, which is why our team focuses on clear communication, transparency, and responsiveness throughout the entire note buying process. From initial quote to closing, we work closely with note holders, brokers, and attorneys to ensure a smooth and professional transaction.
Expertise in Business Note Purchasing and Valuation
Unsurpassed Knowledge of the Entire Discount Cash Flow Industry
We have our own in-house funding platform, which is specifically geared towards performing business notes/business loans that we will purchase at a discount. When reviewing a business note for acquisition, we will primarily focus on: the equity in the collateral (down payment, seasoning, etc.), the borrower’s credit rating (and/or personal guarantee if borrower is a corporate entity), the business’s financial strength, the subject business model and loan structure.
When you’re selling your business note to AX, we are in the position to fund business notes from $100,000 to $10,000,000 (remaining loan balance). We can provide full purchase buy-out options or partial purchase buy-out options.
How to Sell a Business Note on the Secondary Market
- Get a quote
- Accept the bid (either a full purchase offer or a partial purchase offer)
- Submit a Copy of the Business Promissory Note and Copy of Asset Purchase Agreement or Chattel Mortgage (depending on state and type of business sale)
- We will perform asset/collateral verification (confirm note’s LTV, borrower credit & get an estimate on property value)
- Once the asset has been pre-confirmed, note seller will need to submit the following documents for underwriting:
- Copy of Bill of Sale and/or Closing Statement from Origination
- Copy of Executed Promissory Note
- Copy of Executed Asset Purchase Agreement
- Proof of Personal Guarantee (if borrower is a corporate entity)
- Seller’s Business Tax Returns/Financials Prior to Sale (if applicable)
- We will then review and underwrite the transaction
- We will clear the transaction for closing
- We will then schedule closing time and date or close the transaction via FedEx, UPS or attorney’s office if desired (seller’s preference)
- Receive ACH, check or wire transfer
This entire process of selling a business note will take anywhere from 10 business days to 30 days from front to back.
Request A Cash Offer NowWhat Affects the Value of a Business Note
When you sell a business note to a reputable buyer, the offer you receive depends on several key factors:
- Equity / Down Payment – Notes with a larger buyer down payment are considered less risky and usually command higher prices.
- Borrower’s Credit & Guarantee – Strong personal or corporate credit, plus a guarantee, increases the value of your business note.
- Loan Terms – Interest rate, payment schedule, and amortization all influence how attractive your note is to business note buyers.
- Collateral / Security – Well-secured notes backed by strong collateral typically result in higher cash offers.
Understanding these factors can help you maximize the price when selling your business note.
FAQs: How to sell a business note
Can I sell just part of my business note?
Yes, you can sell just a portion of your business note. Amerinote Xchange offers partial purchase buy-out options as well as full buy-outs.
How long does it take to sell a business note?
The business note selling process typically takes 10 to 30 business days. You can expect a cash offer, however, within 1 – 3 business days after you’ve submitted your note information.
Are there fees when selling a business note?
No, Amerinote Xchange pays all costs and fees associated with purchasing your business note.
Ready to Sell Your Business Note?
No-obligation quote. We cover all costs associated with the purchase.
Request A Cash Offer NowOr call us: (800) 698-3650