THE PROBLEM -
Most Businesses Don't Sell
01
Banks constrain value based on lending limits.
02
Qualified buyers are excluded by rigid underwriting.
03
Extended timelines erode deal certainty.
04
Risk often remains with the seller post-close.
Phoenix Capital Solutions is not a registered investment adviser or broker-dealer. This material is provided for informational purposes only and does not constitute an offer or solicitation to purchase or sell any security or investment product. Seller financing involves risk, including the potential for buyer default and loss of anticipated income. Program eligibility is subject to underwriting review and approval at the sole discretion of Phoenix Capital Solutions. Projected timelines (including any potential liquidity events or principal acceleration), valuations, and income estimates are illustrative only; actual results may vary materially based on business performance, market conditions, and other factors. From time to time, notes may be evaluated for potential transfer to third-party investors as a means of facilitating liquidity; however, such outcomes are not guaranteed and are subject to underwriting, market conditions, and third-party participation. All transactions are subject to applicable federal and state laws. Past program outcomes are not indicative of future results. Phoenix Capital Solutions does not provide legal, tax, or investment advice. Consult qualified legal, tax, and financial advisors before making any business sale or financing decision.
FIND A BUYER AND CLOSE
Phoenix handles docs and closing—often in weeks.
Payments start immediately.
THE SOLUTION -
The Phoenix Program:
Seller Financing, Reinvented.
YOUR NOTE IS PROTECTED
First-priority lien + personal guarantee. Phoenix monitors performance.
As the note matures, investor capital replaces your position—
accelerating your payout.
INVESTOR CAPITAL PAYS YOU OUT
STEP ONE
STEP TWO
STEP THREE
Banks limit buyers and value.
Phoenix expands both—and manages the loan end-to-end.
Zero Upfront Costs
No Bank Involvment
FASTER APPROVALS
Phoenix Capital Solutions acts as an administrator of seller-financed business acquisition notes. The program does not guarantee buyer performance, note repayment, or liquidity outcomes. First-priority liens and personal guarantees are secured at closing, subject to applicable law and underwriting conditions. From time to time, notes may be evaluated for potential transfer to third-party investors as a means of facilitating liquidity; however, such transfers are not guaranteed and are subject to market conditions, underwriting review, and third-party participation. All timelines referenced, including any potential acceleration of principal, are estimates only and may vary materially. Zero upfront cost refers to program administration fees; third-party legal, closing, and transaction-related expenses may apply. This material is for informational purposes only and does not constitute an offer of securities. All program participation is subject to Phoenix Capital Solutions’ underwriting criteria and executed agreements.
01.
Eligibility Review
Phoenix reviews your business, operations, and buyer strength. Most decisions are made quickly—typically within 5–10 days.
02.
Pricing & Terms
You and your buyer agree on price. Phoenix replaces bank constraints with standard terms—you control timing.
03.
Phoenix handles all legal documentation. You close in weeks. Payments begin immediately.
Closing & Documentation
04.
Phoenix manages payments, communication, and records—
from closing through the life of the loan.
Note Management
05.
We track performance through regular reviews— helping ensure stability and consistency.
Ongoing Monitoring
06.
On-time payments build a track record (typically 9–12 months),
positioning your note for liquidity.
Seasoning Period
07.
Preparation
Your note is re-evaluated based on performance and strength—
preparing it for investor transfer.
08.
Qualified notes transfer to investors. Capital pays down your principal—accelerating your exit.
Investor Payout
The eight-step process described is a general overview of the Phoenix Capital Solutions program provided for illustrative purposes only. Actual timelines, eligibility determinations, documentation requirements, seasoning periods, and liquidity conditions are subject to change and will be governed by executed agreements between the parties. The 5–10 business day qualification estimate may vary based on completeness of submitted materials and business complexity. Closing timelines depend on buyer, seller, and legal readiness. The seasoning period of approximately 12 months is a target estimate only; actual seasoning requirements may vary. Any potential liquidity event, including transfer to third-party investors, is contingent upon the note maintaining a clean, uninterrupted payment history throughout the seasoning period and successfully completing Phoenix’s re-underwriting review; such outcomes are not guaranteed. Re-underwriting criteria are applied at Phoenix’s sole discretion and are subject to change. DSCR reviews and compliance audits are conducted as part of standard servicing and do not guarantee buyer solvency or ongoing note performance. References to structured aggregation or trust-based frameworks are for general descriptive purposes only; actual legal structures may vary. Principal acceleration is dependent on investor capital deployment and overall transaction conditions and is not guaranteed. Nothing herein constitutes a guarantee of liquidity, investment return, note repayment, or any specific financial outcome. This material does not constitute an offer or solicitation of securities.
Insurance Coverage
Property, casualty, and interruption coverage maintained.
Active Health Monitoring
Ongoing reviews to identify and prevent problems early.
Deposit Account Control
Revenue can be redirected to repay the note if needed.
Full Personal Guaranty
Recourse to owner assets if the business fails.
First-Priority UCC Lien
Senior secured position on all business assets.
Five Layers of security.
YOUR PROTECTION -
From the moment your transaction closes, Phoenix applies five distinct layers of institutional-grade protection.
The five-layer protection structure is a general overview provided for informational purposes only. UCC-1 lien enforceability and priority status may vary by jurisdiction and are subject to prior perfected liens and applicable bankruptcy law. Personal guaranty enforceability depends on applicable state law and the guarantor’s actual asset position at time of enforcement. DACA activation is subject to applicable banking regulations and executed agreement terms. Business health monitoring does not constitute a guarantee of buyer solvency or note repayment. Insurance requirements are a condition of program participation; adequacy of coverage for any specific loss is not guaranteed by Phoenix. Nothing herein constitutes legal, financial, or investment advice.
PAYOFF ACCELERATION -
HOW INVESTOR CAPITAL SPEEDS YOUR EXIT TIMELINE.
Traditional seller financing creates a slow, extended single-credit exposure. The Phoenix Program changes that. By introducing institutional capital, your position can be replaced—allowing your principal to be repaid more quickly and shortening your overall exit timeline.
Months 1-12
Payments begin at closing. Consistent income while performance is established.
The payoff acceleration timeline is conceptual and provided for illustrative purposes only. The curve shown represents a general model of expected payoff velocity and does not represent actual results from any prior transaction. Actual outcomes depend on specific note performance, successful re-underwriting, the availability of third-party investor capital, and other factors outside Phoenix’s control. Entry into a structured aggregation and transfer process at approximately 12–13 months is a target estimate only and is not guaranteed. Principal acceleration is contingent upon third-party investor participation and capital deployment. Nothing herein constitutes a guarantee of any specific financial outcome, return, or repayment schedule.
Month 12+
After seasoning and review, your note enters a structured process for investor transfer.
Month 18+
Investor capital purchases your position— paying down principal and accelerating your payout.
Schedule a Consultation
Receive a focused review of your seller-financed structure and an overview of post-close options, including potential liquidity pathways.