Looking for experts in creative seller-financing structures

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May 05, 2025

by a searcher from Dartmouth College in San Francisco, CA, USA

Working on a deal that will be funded by a large seller loan. I want to include creative terms around standby periods and earnings minimums. Anyone with expertise/experience structuring seller-financed loans willing to chat?
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Reply by an investor
from Harvard University in Harbor Dr, Sausalito, CA 94965, USA
Lots of experience here. Happy to chat. Feel free to reach out -- greg [a] footbridgepartners.com
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Reply by a professional
from University of Maryland at College Park in Danville, CA, USA
Hey Chris, in the first deal I did, we had a very creatively structured deal that included an earn out, seller note and consulting agreement, which effectively acted like a second seller note. There was no seller rollover, but the earn out was a large part of the total consideration, so the seller was pretty tied to the success of the business. This structure also enabled us to have a very low-leverage cap table, which allowed us to afford more expensive sub debt, which we structured as a non-amortizing debt security with warrants, which was funded by friends and family. We were fortunate to exit after 22 months with 12x on our invested cash.
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