Seller Notes Deep Dive | LoL #15

Seller financing has always been a part of small business acquisitions, but it's entering a new era. In this episode of Lords of Lending, hosts Shane Pierson, Stephanie Dunn, and Brian Congelliere sit down with Abby Shemesh, co-founder of Seller Edge Capital, to explore the expanding role of seller notes in today's market.

Abby shares how his background in secondary markets and note exchanges shaped Seller Edge's mission: bringing liquidity to seller notes and giving both buyers and sellers more options to close deals. Together, the group unpacks what works, what doesn't, and why seller financing is becoming a critical bridge in an environment where SBA and bank lending can't always go the distance.

Listeners will gain insights on:

• Why liquidity transforms seller psychology
• How to structure seller notes to reduce risk
• Seasoning requirements and SBA compatibility
• The growing role of brokers and advisors in education
• Opportunities for creative deal structuring

Whether you're a business owner, buyer, broker, or lender, this conversation offers practical strategies and new perspectives on how seller notes can keep deals alive.

Seller notes are reshaping how deals get done. In this episode, the Lords of Lending sit down with Abby Shemesh of Seller Edge Capital to explore the evolving world of seller financing -- from secondary markets to SBA-compatible structures. Learn how seller notes bridge gaps, reduce risk, and unlock creative deal-making.

Timestamps:

[00:00] Introduction and the evolution of seller financing [02:30] Abby Shemesh's background and Seller Edge Capital's mission [06:15] How secondary markets bring liquidity to seller notes [10:40] SBA compatibility and seasoning requirements [15:20] Structuring seller notes to reduce risk for both parties [20:45] The psychology of sellers -- why liquidity changes everything [26:10] Broker and advisor roles in educating buyers and sellers [32:00] Creative deal structuring with seller financing [38:15] Common mistakes and red flags in seller note deals [43:00] Final thoughts and where the market is heading