Five ways to sell.
Most owners only think about one.

Cash at close

You get one check at closing. Done.

When it works

• You need the cash for a specific reason (medical, family, next venture)
• Your tax situation can absorb the hit
• You want zero ongoing relationship with the buyer

What to know

• You'll likely owe 30–40% of the gain in federal + state taxes the year you sell
• Highest immediate liquidity, but not always the most total dollars

Seller financing

You become the bank. The most common structure we use.

Instead of one lump-sum check, you receive monthly payments over an agreed term — often 5 to 10 years. The down payment, interest rate, and term length are all negotiated based on the asset's cash flow, your tax situation, and what works for both of us.

Why owners consider it

• Your tax bill is spread across the years you receive payments — instead of one large hit the year you sell
• Steady, predictable monthly income — useful in retirement
• Often nets MORE total dollars than a cash sale once after-tax math is run
• Lets the business or property keep generating cash flow that funds your payments

How we manage the risk

• The business or property itself secures the note
• If we default, you take it back
• We have skin in the game from day one

Every offer is custom-built. You see the math, your CPA reviews it, you decide if the terms make sense.

Installment sale

Similar to seller financing, but specifically structured under IRS Section 453 to defer capital gains taxes year-by-year as you receive payments.

When it works

• You have a large capital gain (sale price much higher than your basis)
• You're in or near the highest tax bracket
• You want predictable income for years

This is a tax strategy as much as a deal structure. We'll outline it. Your CPA will tell you if it works for you.

Earnout

You get a base price at close, plus extra payments over 1–3 years if the business hits agreed-upon performance targets.

When it works

• You believe the business has growth ahead
• You want to share in the upside without staying involved long-term
• The buyer (us) needs alignment that you'll set us up for success

You can stay involved as a paid advisor during the earnout period — or not. Your call.

Subject-to and lease-to-own

Walk away from a property without paying off the loan first.

Subject-to

We take over making the payments on your existing mortgage. Title transfers to us. You walk away. The loan stays in your name (we explain how this works and how we protect you).

• You have a low-interest mortgage you don't want to pay off
• The property has little equity but you want out
• You're tired of dealing with tenants/repairs and need an exit yesterday

Lease-to-own

We lease your property from you with an option to buy at a set price within 1–3 years. You collect rent in the meantime.

• You want to test if we're the right buyer before fully committing
• You have a vacant property bleeding money — we fill it tomorrow
• Tax timing matters more than speed of close