Tool / 02 - Carryback

Structure the note. Keep the trade-offs visible.

Compare cash at close, seller-note receipts, and a senior-financing scenario. Terms stay yours to set; the output never calls a structure approved or standard.

Your model. Your terms.

Choose the ownership model first. Every calculation stays editable, and the output tells you what deserves real diligence.

Payment schedule

Cash at close and note flow.

Structure ready to model

Review the schedule with lender, legal, and tax advisors before presenting it as transaction terms.

Cash at close$1,280,00080% of planning price

Seller-note principal$320,00020% of planning price

Monthly seller-note payment$6,336.385 year fully amortizing

Total seller-note interest$60,183Scheduled, not tax-adjusted

First 12-month note receipts$76,037Scheduled receipts only

Senior monthly payment$19,950.357 year comparison

Diligence lens

Terms are only one side of the deal.

Review normalized cash flow, debt service, collateral, and any lender subordination.
Document personal guarantees, retention risk, and the buyer’s operating plan.
Have legal and tax advisors review allocation, interest, and installment-sale reporting.
Set transition support, remedies, and servicing expectations in writing.

Terms are only one side of the deal.

Review normalized cash flow, debt service, collateral, and any lender subordination.

Document personal guarantees, retention risk, and the buyer’s operating plan.

Have legal and tax advisors review allocation, interest, and installment-sale reporting.

Set transition support, remedies, and servicing expectations in writing.

Structure the note. Keep the trade-offs visible.

Model the payment schedule, not a promise.

Cash at close and note flow.

Terms are only one side of the deal.

Structure the note. Keep the trade-offs visible.

Model the payment schedule, not a promise.

Cash at close and note flow.

Terms are only one side of the deal.