201 Spear Street, 11th Floor | San Francisco | CA 94105

Why Sell Your Business Note To Us?

We have been purchasing notes, mortgages and real estate contracts for over a decade and we pride ourselves on a unique client experience at the best price possible.

If you wish to sell your business note, sell a business loan, sell a chattel mortgage, sell an asset purchase agreement, or sell a security agreement, AX can fulfill all of your funding needs and can get you the capital you require. When you get the lightbulb-moment idea to sell business note, come and see what we can do for you and get funded quickly!

Why Sell Your Business Note to Us?

seller financingIf you’re wondering how to sell my business note, or you’re tired of acting as the bank after selling your small business and owner-financing the loan with a business note, AX can offer a sound and painless exit strategy.

We are the fastest growing owner-financed business note buyers in the country today. When you sell a business note on the secondary market, we can fund the purchase in as little as 15 business days. 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.

Selling a Business Note has Never Been Easier

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 7 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. We also pride ourselves on three core principles when purchasing business notes:

  1. Aggressive Offers and Pricing
  2. Unmatched Professionalism and Client Courtesy
  3. 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 $25,000 to $500,000 (remaining loan balance). We can provide full purchase buy-out options or partial purchase buy-out options.


Please feel free to contact us with any questions or to begin the process. Or, you can review our complete business note purchase criteria online by clicking: AX Business Note Purchase Criteria.


To learn our simple business note creation guidelines when you go to sell your business note, please click:

How to Create a Valuable Business Note to Sell for Top-Dollar

How to Sell a Business Note

  1. Get a quote
  2. Accept the bid (either a full purchase offer or a partial purchase offer)
  3. Submit a Copy of Promissory Note and Copy of Asset Purchase Agreement or Chattel Mortgage (depending on state and type of business sale)
  4. We will perform asset/collateral verification (confirm note’s LTV, borrower credit & get an estimate on property value)
  5. Once the asset has been pre-confirmed, note seller will need to submit the following documents for underwriting:
    • Copy of Bill of Sale
    • Copy of Recorded Note
    • Proof of Personal Guarantee (if borrower is a corporate entity)
    • Copy of Lease Agreement (if applicable)
    • Business Financial Statements up to Time of Sale
    • Note Seller’s Tax Returns from Previous 2 Years Prior to Sale
    • All Closing Documents From Time of Sale
    • Copy of 3rd-Party Loan Servicing Agreement (if applicable)
  6. Note seller will review, sign note-purchase agreement and seller checklist
  7. We will then review and underwrite the transaction
  8. We will clear the transaction for closing
  9. We will then schedule closing time and date or close the transaction via FedEx, UPS or attorney’s office if desired (seller’s preference)
  10. Receive cashiers check or wire transfer

This entire process of selling a business note will take anywhere from 10 business days to 20 days from front to back. AX pays for ALL costs associated with the purchase of your transaction.

What People Are Saying

Great company, offered a good price on my unseasoned note. Quick to communicate and professional. Hope to do business again at some point. Abby is excellent at what he does.
Adam Nonnenmacher

42 Reviews, 4.9 Stars

Very professional, straightforward and honest in a type of business that has some shady outfits. Long process while they did their due diligence but well worth it in the end. Shopping around confirmed the market value received for my note was very competitive. Would recommend.
David McAninch

42 Reviews, 4.9 Stars