Seller Financing in Florida: Why Smart Business Owners Offer It

What Is Seller Financing?

Seller financing — also called “owner financing” — means you agree to accept part of the sale price over time, instead of all upfront. The buyer makes a down payment and pays the rest in monthly installments, typically with interest, using a promissory note.

It’s like becoming the bank — but for your own business. And in today’s high-interest environment, it can mean the difference between closing the deal and sitting on the market.

Most buyers need terms. The ones who can pay all cash often make the lowest offers.

Why Florida Buyers Expect Seller Financing in 2025

Interest rates are high. Bank approvals are slow. And many of the best buyers — especially first-time operators or relocation investors — don’t want to deal with traditional loans. That’s why seller financing is not just a nice option anymore. It’s expected.

According to Florida brokers, over 90% of buyers request seller financing in their offers. In fact, most brokers won’t even list a business unless the owner is open to some kind of terms.
Read broker-backed data from Business Brokers of Florida

By offering terms, you can:

  • Attract more serious, qualified buyers
  • Sell your business faster — even in a slow market
  • Earn interest on your sale and boost your total exit value
  • Stay in control with a note secured by business assets

If you don’t offer seller financing, you’re likely eliminating 80–90% of your buyer pool in Florida right now.

How Seller Financing Actually Works in Florida

When a Florida business owner offers seller financing, they’re essentially loaning the buyer part of the purchase price. It’s secured by a signed promissory note, often backed by business assets. The buyer pays you over time — typically monthly, with interest.

Common terms include:

  • Down Payment: 10%–30% upfront
  • Loan Term: 2–5 years (sometimes longer)
  • Interest Rate: 6%–10% depending on risk
  • Collateral: Business equipment, inventory, and/or a personal guarantee

Everything is documented in a few key legal contracts:

  • Promissory Note – details the amount, interest, and payment schedule
  • Security Agreement – gives you rights to reclaim business assets if they default
  • Personal Guarantee (optional) – lets you go after the buyer personally if needed

A good business attorney in Florida can prepare these documents or review them to protect your interests.

Thinking About Selling Your Business?

At The Alpha Order, we work directly with Florida business owners to structure respectful exits — often using seller financing, equity buyouts, or hybrid strategies that make sense for both sides.

If you're exploring the idea of selling but don’t want to deal with brokers or lowball offers, we’re ready to talk privately and professionally.

Start Confidential Business Exit Conversation