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Loan Program
Seller Carry-Back Financing
We pair private capital with a seller-financed note to cover the rest of the purchase price when the seller is willing to carry part of the deal.
⏱ Takes 2 minutes Free, no obligation We respond within 1 business day
Seller carry-back financing pairs private capital with a seller-financed note, letting the seller carry part of the purchase price when a deal doesn't fully pencil with traditional financing alone.
Program Highlights
Two capital sources, one closing.
Structure
Private Capital + Seller Note
We combine our capital with a note the seller carries, closing both pieces together.
Flexibility
Negotiated Deal-by-Deal
Terms are structured around the specific seller, buyer, and property — not a fixed template.
Cash to Close
Often Lower Than Conventional
Structuring part of the price as a seller note can reduce how much cash you need to bring to closing.
Who This Program Fits
Investors buying from a seller willing to carry a note, off-market or owner-financed deals, and acquisitions where the purchase price doesn't fully pencil with a single conventional loan.
FAQ
Seller carry-back questions.
What is seller carry-back financing exactly?
The seller finances part of the purchase price directly to you (a note secured against the property), while we provide the remaining capital — combining both into one closing.
Why would a seller agree to carry part of the price?
Sellers sometimes carry a note for tax deferral, a steady income stream, or to get a deal done at their asking price when a buyer can't otherwise bridge the gap.
Does this reduce how much cash I need at closing?
Often yes — structuring part of the price as a seller note can lower your required down payment compared to financing the entire purchase price conventionally.
Can this be combined with a renovation budget?
In some structures yes — talk to us about the specific deal and we'll see what the seller and our capital sources will support.
Program details last reviewed October 21, 2026.
Contact
Tell us about the deal.
Send the basics and we'll come back with what it'll take to fund it — usually within one business day.
- Phone
- 919‑395‑2411
- Office
- Raleigh, NC · Lending Nationwide
- Hours
- Mon–Fri, 8:00 AM–6:00 PM ET
Application
Ready when you are.
A few quick questions about the deal — no SSN, no documents, no commitment yet. Just enough for us to tell you what it'll take to fund it.
- ⏱ Takes 2 minutes
- 🔒 Free, no obligation
- 📞 We respond within 1 business day