Colonial Blue Financial Services


	Now that you understand a little more about how your business note is assested you may be wondering what your options in the sale of your note are. While selling the whole note will eliminate any of your risk you may find that it is not the best avenue to pursue in the long run. Colonial Blue wants to make sure you obtain the highest financial benefit from the sale of your business note by making sure you understand all the options open to you. For several reasons, that we will discuss below, there is a larger discount on the sale of a business note than on a private real estate note. Because of this reason it may be possible that the best option for you might be to only sell enough of your payments to reach your cash need and to continue to receive the remainder of your payments. The choice is yours and Colonial Blue is here to help liquidate your note, whether you only need a certain amount of cash out of your payments or you want to liquidate the whole note. In the remainder of this page we list some of the reasons behind the larger discount on business notes as well as some options on how to sell your payments in the most financially beneficial way. Why are the discounts on Business Notes higher than on Private Real Estate? What Options are there in Selling your Business Note? Business notes are one of the few note types for which there are very few funders. If the business note is not secured by some type of real estate that number nearly becomes zero. Frankly, most investment and purchasing companies find them too risky. In most business sales 20% or less of estimated value of the business is actual tangible assets, and the other 80% is merely the goodfaith of the seller). What does this mean in the note market? It means that should the buyer default then the investor would never recoup anywhere near his full investment. This is exactly why there is such a high risk associated with business notes and a higher discount. In order to reduce the risk factor and the discount as much as possible, the business sale should have equity (in the form of a downpayment), some seasoning (meaning some payments have gone by already), and decent credit scores by the buyer. You can learn more about exactly what type of business notes criteria is favorable and will have the lowest discount on our "Determining your Business Note Value" webpage. Colonial Blue can provide you with alternate avenues to draw capital from your business note if you do not wish to liquidate your whole note. If you require a certain amount of capital from your note but would like to continue to collect payments from the note, Colonial Blue has two options to consider. The first option is known as a "Partial" liquidation. In this option you can recieve the cash amount you need now and retain income from future payments yet to be received. The second option is known as a "Split Payment Program". In this second option you can generate a lump sum of cash now and continue to receive a monthly income. By liquidating just a calculated number of remaining payments you: Receive exactly the amount of cash you need right now Retain future income from the payments we do not buy Allow yourself the option to sell more payments in the future is you require a sum of cash again at a later date While liquidating all your payments would eliminate your worries and hassles perhaps selling only part of your payments would be more beneficial to you. If these options sound appealing to you, or if you have any questions about "Partials" or "Split Payments" please go to More Info and fill out our question form. What is a Business Note? Reasons to Sell your Business Note Determining the Value of Your Business Note Options on How to Sell Your Note so you Benefit the Most Examples of How Selling Your Note can get you the Cash you Need Questions / Request More Info Sell Your Business Note

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