Good Seller Financing vs. Bad: How to Spot the Difference

In this episode of the Apex Business Advisors Podcast, Andy and Doug discuss the difference between good and bad seller financing. They cover how dirty books, unreported revenue, and overvaluation force seller financing in risky deals, versus how seller financing can be a strategic tool in rising interest rate environments to bridge gaps and make deals bankable.

The conversation includes real-world examples from past market cycles (including 2008–2010), practical structuring ideas like partial seller notes and balloons, and how rates impact debt service and buyer affordability.

We also touch on current market signals — bank failures, tightened lending standards, and SBA rates nearing 10% — and why solid businesses with clean records are in demand.