How the seller financing calculator works
The note amortizes over the amortization period. If the balloon date is earlier, the remaining balance falls due then as a lump sum.
Total interest counts interest paid up to the balloon date.
How to read the result
- A balloon must be paid from cash, a refinance or a sale. Plan it before you sign.
- Combine the note with senior debt in the deal analyzer to see total coverage.
Questions
What is a typical seller note term?
Terms are negotiated deal by deal and can be affected by senior lender requirements. Model several options rather than relying on a typical figure.
The Acquisition Deal Kit
Editable files for a live deal: a 150-item diligence request list, an SDE add-back workbook, an SBA loan and DSCR model, an annotated LOI and a closing plus first-100-days checklist.
Educational content, not advice. Bootstrapper.com publishes general information for education. It is not legal, tax, accounting, lending or investment advice and does not consider your circumstances. Calculator outputs are illustrative estimates. Rules, rates and programs change; confirm details with qualified professionals before making decisions.
Formulas are simplified and tested in an open test suite. Spotted an error? Email [email protected].