Professional Consultant and Broker Services

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We Purchase Commercial Real Estate Notes and Private Mortgage Notes...CASH Received "TODAY", Is Worth More Than Cash Received "TOMORROW!"

Success By Design Capital provides a variety of funding strategies for the Privately Held Business Notes.

Unlike a real estate mortgage note, a Business Note is usually secured by the business itself (rather than real estate) and all the inventory, equipment, assets owned by the business.

Typically, we work with clients who have sold a business, received a substantial down payment and carried back a loan in the form of a business note, secured by the business and usually, personally guaranteed by the payor and who are receiving regular monthly payments on the loan.

Depending on a variety of factors i.e rate, term, note structure, pay history, number of payments made, current credit situation of business and payor; we have access to funding sources that will pay CASH for the FULL or PARTIAL purchase of your note.

There are only a few major investors, note buyers, nationwide, that buy business notes to keep for their own portfolios, and they consistently pay the highest prices for the notes they agree to purchase. We work directly with all of these investors and our job is to negotiate with these sources to get the best deal possible for your note!

While we can review any note for possible purchase, the ideal note from an investor point of view, a note that will bring the highest purchase price, will be structured as follows:

20% - 30%+ Down Payment

11% - 14% Interest Rate

Maximum of 60 Month Term

Minimum of 3 Months Seasoning (i.e. at least 3 payments received)

Well Secured, Personally Guaranteed

Larger Down Payments can compensate for less Seasoning and more Seasoning can compensate for smaller Down Payments. Do not hesitate to let us review your note, regardless of the structure, as what one investor may not accept, another will.

If you are a business note holder or a business broker, our unique services and funding sources can help you cash out of old deals and get you to the closing table faster, with new deals! In some cases, with a substantial down payment, we can even do a semi-simultaneous close, and buy the note 30 days after closing.

Other than gathering and sending the required paperwork, the note seller may have no upfront fees or closing costs. The note buyer will typically pay fees and costs associated with the deal.

To get started, we need to know just a few things and most of the information should be readily available to you. We can go to work for you once you FAX or supplies us with copies of the following:

• Copy of the Note

• Copy of the Bill of Sale

• Closing Statement

Let us know exactly the amount of money you need to raise, we can then structure the purchase so you only have to sell as few of the monthly payments as possible in order to obtain the amount of money you need. If you prefer to sell the entire note, we can do that as well.

Selling A Business?

If you are selling a business and want more potential buyers, a faster sale, and a better price for your business, Success By Design Capital may be able to help you.

Over 75% of business sales involves some kind of owner financing ...and it's not because 75% of business owners want to hold a business note!

This is simply because lending money for the purchase of a business is risky, so banks don't approve loans without substantial proof that the buyer is prepared to make the business a success.  This ends up forcing many business owners into accepting private financing as a "last resort".

SBDCs' investors aggressively purchase business notes! We can help you confidently structure the sale of your business in a way such that a note you create with a buyer can be sold both for the best price and in a way that best suits your financial needs.

All information a client provides is held in strict confidence and you are under no obligation to accept our proposals. Once you supply us with your information, typically we can provide you with a firm quote within 24 to 48 hours, following document review and due diligence.