We purchase business notes and seller-financed promissory notes nationwide. Free quotes. No fees to you. 96% closing rate.
Get Your Free QuoteIf you're wondering how to sell my business note, or you're tired of collecting payments 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.
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.
When you sell a business promissory note on the secondary market, we can fund the purchase in as little as 15 business days.
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.
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.
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.
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.
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 NowWhen you sell a business note to a reputable buyer, the offer you receive depends on several key factors:
Notes with a larger buyer down payment are considered less risky and usually command higher prices.
Strong personal or corporate credit, plus a guarantee, increases the value of your business note.
Interest rate, payment schedule, and amortization all influence how attractive your note is to business note buyers.
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.
Assuming the payments are on time and the loan is performing as contracted — we cannot purchase business notes where payments are not current — the average first-position (senior debt) business note will sell for approximately $0.65 on the dollar on the extreme low end, and up to approximately $0.95 on the dollar on the high end. Typical pricing for a business note with a healthy business attached to it is roughly $0.87 on the dollar. Of course, there are many variables and considerations included in the underwriting process, and this is a high-level anecdotal estimate — not an offer. See our real transaction case studies for examples of what we have paid.
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.
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.
No, Amerinote Xchange pays all costs and fees associated with purchasing your business note.
No-obligation quote. We cover all costs associated with the purchase.
Request A Cash Offer NowOr call us: (866) 545-8216