BizDealIQ

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Seller Financing Calculator

Model a seller-financed acquisition: monthly payment, total interest, and a full amortization schedule.

$
%
%
yrs
Amount financed
$400,000
Monthly payment
$6,037.07
Total interest
$107,114
Down payment
$100,000

BizDealIQ provides educational estimates only — not financial, investment, tax, legal, or business-valuation advice. Multiples and outputs are rules of thumb, not appraisals. Always do your own due diligence and consult licensed professionals before making an offer or purchasing a business.

Why seller financing matters

In a seller-financed deal, the seller acts as the bank: you pay a down payment, then make monthly payments (with interest) on a promissory note for the balance. It keeps a motivated seller with skin in the game, speeds up closing, and lets you buy with far less cash up front than an all-cash or fully bank-financed purchase.

The monthly payment is a standard amortizing loan:

M = P · r · (1 + r)^n / ((1 + r)^n − 1)

where P is the financed amount, r is the monthly interest rate (APR ÷ 12), and n is the number of monthly payments. Early payments are mostly interest; later ones are mostly principal — the schedule above shows the full breakdown.

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The AI Deal Analyzer proposes a full offer structure with a seller-note split and estimated monthly payment.

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