Free Calculator
Seller Financing Calculator
Model a seller-financed acquisition: monthly payment, total interest, and a full amortization schedule.
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.
Not sure what offer to make?
The AI Deal Analyzer proposes a full offer structure with a seller-note split and estimated monthly payment.
Analyze a deal