A seller-financing workflow for Canadian business brokers and advisors

Start with an accurate problem statement

Record the proposed price, buyer contribution, lender funding, and purchase-price shortfall. Separate those figures from working capital, transaction costs, and other funding requirements. Label whether each source is indicative, conditional, or confirmed.

Ask whether the seller wants to discuss receiving part of the price over time. If the answer is no, document it rather than presenting seller financing as an automatic solution. A clear record helps the team decide which conversation is actually worth pursuing.

Keep each scenario understandable

For a seller-note illustration, show the proposed principal, rate, payment assumptions, term, and any amount left at maturity. State what is excluded. Avoid a dashboard that presents only the monthly payment while hiding the assumptions used to produce it.

Keep a scenario name, date, and version. When a party changes a proposal, retain the earlier version so the team can distinguish a discussion from an approved change.

Assign the reviews instead of implying approval

A good workflow identifies the people who must answer the open questions. It does not let the presence of a completed form stand in for lending, legal, or accounting review.

• Buyer and seller: is this a proposal they want to explore?
• Lender: does it fit the proposed financing conditions?
• Legal counsel: what documents, restrictions, and approvals apply?
• Accountant or financial advisor: how should the combined obligations and transaction assumptions be assessed?
• Deal coordinator: which answers are outstanding, and who owns the next step?

Make the transition at closing explicit

When the deal closes, replace draft assumptions in the working view with terms confirmed against the signed documents. Keep the drafts in the history, clearly separated from the operative record.

Identify who confirms the schedule, who maintains contact details, and how the buyer and seller will record payments. The fact that a professional helped organize the proposal should not leave everyone assuming that person is now responsible for collecting payments.

Define the ongoing handoff

Give the parties a place to find the signed note, schedule, reporting requirements, and relevant contacts. Record which questions go to the buyer or seller, which go to accounting support, and which require counsel.

Dealosure is building software for that shared workflow before and after closing. Proposed team features include an overview across multiple note workspaces and reporting follow-ups. These are planned software capabilities, not a brokerage mandate, a financing offer, or a debt-collection service.