You want to sell but what about a monthly income?
We developed this Seller Financing Calculator to help school owners visualize the real-world difference between a standard cash sale and a structured financed exit. By entering your specific school data, you can see for yourself how much additional wealth is left on the table when you choose a single check over a strategic, interest-bearing income stream.
Maximize Your School’s Exit with Seller Financing
Use the tool below to compare a standard cash sale against a seller financing
Net Proceeds Comparison
For years, you have poured your energy into building a legacy. Now that it is time to exit, you deserve to walk away with every dollar of equity you have earned. Most school owners instinctively look for a single, lump-sum check at the closing table, but in the world of high-value business transitions, that “quick exit” often comes with a hidden cost: massive immediate tax leakage and the loss of long-term interest income.
By structuring your sale strategically, you can transform your school from a daily operational burden into a high-yield retirement asset. “Becoming the bank” for a pre-qualified buyer allows you to defer capital gains taxes while securing a consistent monthly payment that often exceeds what you could earn in traditional conservative investments.
Request a Detailed Analysis
This Seller Financing Calculator is only the beginning. For a full financial model, including the month-by-month amortization schedule and tax-deferral strategies that you can review with your CPA.
Reach out for a private and confidential consultation. Obtain the professional breakdown and security checklist needed to protect the school’s value. A complimentary valuation is available to help determine the most effective exit strategy.
Stepping into the lender role doesn’t mean you’re exposed to reckless risk. You start by performing the same deep-dive vetting a bank would, checking every buyer’s credit history and professional experience. This is backed by a UCC-1 lien that your attorney files against the school’s physical assets and licenses, giving you the legal right to step back in if the buyer defaults. To further secure the deal, many agreements incorporate personal guarantees or even a lien on the buyer’s own property, with the specific safeguards naturally scaling based on the buyer’s financial strength.
This seller financing calculator is provided for illustrative purposes only. All financial projections are estimates based on the information provided and are not guaranteed. We are not tax advisors, attorneys, or financial planners. The seller is solely responsible for verifying buyer qualifications, evaluating creditworthiness, and determining whether seller financing is appropriate. We strongly recommend that the seller consult with a licensed tax professional and legal counsel before making any final decisions regarding the sale or financing structure.