Structured Seller Financing
for Business Acquisitions
Seller financing is already part of many acquisitions. SellerBridge℠ helps structure it correctly from the start.
Structured from Day One
Seller financing has become a standard component of how businesses change hands. When structured correctly, a seller note generates meaningful interest income and may qualify for purchase by institutional note buyers down the road. When structured informally — as most are — it becomes illiquid paper that's difficult to manage and difficult to sell.
The difference comes down to decisions made at closing.
SellerBridge℠ was designed to get those decisions right.
30+
Years of Aggregated Experience
$1B+
Loans Funded
4,000+
Businesses Funded
The SellerBridge℠ Standard
Not all seller notes have the same value — or the same future. The characteristics that determine a note's quality, and its potential attractiveness to secondary-market buyers, are largely set at origination.
Every note originated through SellerBridge℠ is built to the following standard:
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Meaningful buyer equity contribution (typically 20%+)
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Buyer underwriting and due diligence
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Personal guaranty
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Security agreement and UCC filing
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Market-rate pricing appropriate to the risk
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Standardized professional documentation
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Professional loan servicing
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Future optionality for the seller
These are the same characteristics institutional buyers evaluate when considering business notes for purchase. SellerBridge℠ establishes them from day one.
SellerBridge ℠
Acquisition Financing Without the Bank
Seller Note Parameters
Institutional demand for business notes is strongest where the underlying transaction reflects meaningful buyer commitment and sound structure.
Transactions that tend to align with that demand generally include:
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Seller note balances up to approximately $600,000
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Buyer down payment of 20% or more
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Strong buyer credit profile
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Sufficient business cash flow to support the transaction
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Personal guaranty and security agreement in place
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Professional servicing and documented payment history
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Market-rate pricing appropriate for the risk
Important to know:
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SellerBridge℠ is generally designed for first-position seller-financed transactions and is not intended to be combined with SBA financing.
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SellerCashOut℠ is designed for newly originated SellerBridge℠ notes that are structured and serviced through the SellerBridge℠ platform.
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Eligibility for any secondary-market transaction is always determined on a case-by-case basis.
SellerCashOut℠
Once a SellerBridge℠ note is seasoned and performing, sellers may have the opportunity to explore liquidity through SellerCashOut℠.
SellerCashOut℠ evaluates qualifying notes for potential purchase and introduces them to Jumpstart's network of institutional and private investors seeking professionally underwritten and serviced seller-financed assets.
Some sellers hold their note to maturity. Others eventually prefer liquidity. SellerBridge℠ is designed to keep both options available.
Frequently Asked Questions
Important Disclosure: Jumpstart Finance structures and manages acquisition financing in partnership with Little Horn State Bank, Member FDIC, which serves as lender of record for The Jumpstart Loan℠ and other private credit solutions. All financing is subject to underwriting and eligibility requirements. Jumpstart Finance is committed to fair lending.