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Seller Financing Calculator — Free Business Sale Tool

Free Seller Tool

Seller Financing Calculator

Thinking about carrying a note? Enter your deal terms and see exactly what your monthly payments will be, how much interest you'll earn, and how seller financing compares to an all-cash deal.

Monthly payment breakdown Full amortization schedule 100% free

Want Help Structuring Your Deal?

A business broker can help you decide how much seller financing to offer, at what rate, and how to structure terms that protect you — before you sit down with a buyer.

Get a Free Consult with a Business Broker Now

Enter Your Deal Terms

All inputs can be adjusted — results update with each calculation.

Total Sale Price The agreed-upon purchase price

Down Payment (Cash at Close) Amount buyer pays upfront in cash

Seller-Financed Amount Auto-calculated, or enter manually

Interest Rate on the Note Typical range: 5%–10% per year

% / yr

Loan Term How long until the note is paid off

Balloon Payment? Larger final payment to end the note early

No balloon payment

Balloon Due After Month when balloon payment is due

Balloon Amount Leave blank to use remaining balance

Your Seller Financing Summary

— Monthly Payment to You

— Total You'll Receive

— Interest Earned

— Effective Annual Yield

All-Cash vs. Seller Financing — Side by Side

All-Cash Deal

Cash at close —

Total received —

Interest earned $0

Monthly income $0

Full price, immediate

Seller Financing

Cash at close —

Total received —

Interest earned —

Monthly income —

—

Amortization Schedule

Month	Payment	Principal	Interest	Balance

Want Help Structuring Your Deal?

A business broker can help you decide how much seller financing to offer, at what rate, and how to structure terms that protect you — before you sit down with a buyer.

Get a Free Consult with a Business Broker Now

This calculator provides estimates for educational purposes only. Results assume fixed interest rate, equal monthly payments, and no prepayment. Actual deal terms, tax implications, and legal structure should be reviewed with a licensed business broker, CPA, and attorney before finalizing any seller financing arrangement.