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Why Seller Financing is not as Scary as you Think

Why Seller Financing is not as Scary as you Think

Seller financing is not as scary as you think. Yes, you need not have to worry, but what is seller finance. In fear of getting trapped into something terrible, in most of the cases, we don’t even gift ourselves with the knowledge of knowing the different sources out of which we can probably make money. Seller financing is one such option of making money. So today we will discuss about what seller financing is and why it is not as scary as you think.

Why Seller Financing is not as Scary as you Think

What is seller financing?

Seller financing is where the seller of the property or a business or a real estate takes the roles of a money lender or banker. Instead of approaching a financial institution or taking a factor as a middleman to finance the needs of the buyer, the seller himself finances the buyer. This is the reason as to why this is called seller financing. Ok so now you what seller financing is, but there are still threats as to how this is will work for both the parties and what will happen if the seller doesn’t repay his debts. We will sort that out here.

Why is seller financing not risky?

If you look at the concept of seller financing, superficially there are chances that you might misunderstand the concept and feel that the seller is taking a huge risk. But digging the concept a little deeper, seller financing is actually beneficial, and yes it is for the seller as well. In fact, the seller is the person who takes the majority of the advantage by financing his buyer. If you take a little time and understand what the buyer would possibly be doing if he had to go for other financing options to potentially be your client, then you might understand seller financing is less risky than most other options.

When the seller is going for a loan outside your purview, could be a bank or a money lender, you do not have control over the person’s financing plans. It is between the buyer and his financier. All you can do is to keep bothering him in case if he fails to make his payment. Now, what if I say that there is one way where you can control the financing plans of the buyer, influence his decisions and make it a win-win situation? That is what seller financing does. It will probably look like you are taking additional responsibility, but you will be earning more than what you are possibly spending.

Advantages of seller financing:

So here are some of the quick advantages of seller financing:

  • The seller has better control over the financial decisions of the buyer. He can influence the client and help him take a decision that is better advantageous. Thereby you need not have to worry about the repayment as well.
  • Seller financing will help the seller to get better and potential clients which otherwise he might not find. In most cases, it is money that prevents buyers from venturing into investment options. Since it is from a trusted source, it will encourage buyers to get into investments.
  • In seller financing, the loan term is usually over a period of 4 to 7 years. Now that you have a buyer, you will also gain the interest out of the money that you have lent. The interest rate will probably range from 6% to 10%


Things you should look in a Company before you Invest

Things you should look in a Company before you Invest

Investment decision is one of the serious decisions that you are taking when you are running your business. Even if you aren’t running a business and you are looking forward to investing for your personal benefit, even then investment decisions are quite important. In business, the two main pillars of making good money are your investment and financial decisions. So when you are going to invest in a company, here are some of the things that you have to keep in mind in order to ensure that you are not taking a wrong decision and that your investment will reap the expected or better results.

Things you should look in a Company before you Invest

Things to remember when you invest:

So here are some of the things that you have to keep in mind when you invest in a company.


You probably know what we mean by the word management. Management refers to that one person or the group that is managing the show and is involved in taking the major financial and investment decisions that might highly influence the survival of the company. For instance, if you are looking at the person, most probably a CEO or CFO, then you will have to check as to how much of the gain is tied to the strength of the CEO. If this CEO happens to be a major strength, then you will have the situation when a different CEO takes his position. Will he run the show better?

Competitive Edge:

You probably do not want to invest in a company that is not taken into concern by others in the market. The company where you will potentially become an investor must be a company where the company is a major threat to most of its competitors. The competitive edge of the company will automatically increase the chances of investment.

A bit of Ratio Analysis:

The business investments that you are making will not end with the external analysis that you are making. Additionally, you will have to do a little math work as well. Out of the other financial statements that stakeholders get to see, the one that you have to pick is the ratio analysis statement. The Cash Flow Statement of the company will bear certain figures, and this will help you find the ratios like debt-to-equity, profit-earnings ratio, and their profit margin as well.

Brand Ambassadors:

In the event that the company you are looking forward to investing is a commercial sector that is any product or service that requires brand endorsement then the brand ambassadors of that particular business will also have an impact in investment decisions of the client or the investor. Not all brand endorsements are rightly motivated, and thereby it is important that we take care of that as well and do not give in to false information.

Fellow investors:

There is nothing better than taking a personal suggestion from someone who is more into investing or someone who is already an investor in the company. You can collect details from this person, and you will also be able to get a clear idea of the situation that is prevailing in the company.


Investment Opportunities in Australian Small Businesses

Australia has some flourishing small businesses that are doing great with a constant profit-making year on year. Any individual investor or an investment company can look into buying the small businesses and expanding their operations.

Small and profitable businesses give the investors an advantage of market-tested ideas. For investors, it is a safe bet to buy an already up and running profitable venture.

Of course, there are legal compliances to take care of which overseas investors have to carefully check before investing. Some of the businesses are not open to foreign investors. If you are an overseas investor, you should know which industries you can invest in.

11 Small Business Investment Opportunities in Australia

  1. E-commerce Businesses

E-commerce is a booming business idea in Australia. More and more small businesses in Australia are aiming for online presence increase their reach and cater to more and more customers. Investors can safely invest in online businesses that are small and aiming to go big with their business plans and expansion.

  1. Eatery Joints/ Café Businesses

Australia is a country where a large number of multicultural people dwell to realise their dreams, they come from all over the world. Having said that Australia is a tourist favourite country where every year millions of tourists come to Australia. Such a scenario offers a great small business idea of starting a café or eatery joints. There are a lot of local catering businesses in Australia offering a great investment opportunity that has all the potential to grow big.

  1. Renting Businesses

Renting out is an interesting business idea that is garnering many followers from different sections of the society. One can set up small with renting out anything from party supplies to camping materials, from cars to utility equipment. It is a great investment idea for anyone who is looking to start small.

  1. Household Related Businesses


  • Laundry Business

Though not as glamorous as an e-commerce or a café business, laundry business is a money-spinning business. As an investment option, it is a safe bet.

  • Cleaning & Repairing Business

Not many Australians have time to do their household maintenance activities like cleaning or repairing.  Service providers offering cleaning and repairing services for households are excellent small business options that require very less investment. Investors can take such businesses and turn them into bigger brands by doing value addition to the basic services.

  1. Training/Tutoring Business

Education has always been a priority industry in Australia that supports many auxiliary sectors such as tutoring or training. One usually starts small and grows into a big institution. Tutoring start-ups are a great place to invest small and scale up.

  1. Farming Businesses

Agricultural farming and livestock farming are highly potential businesses in Australia with a lot of government attention on them. If you are looking for investment options, farming businesses are the best of the kind opportunities that ensure returns sooner and bigger.

  1. Pet Businesses

By pet business we mean; pet care, pet grooming, pet insurance, pet care blogging, pet hygiene, pet vaccinations, pet photography, pet behavioural trainer/ counsellor, pet boarding services and add more if you think of anything more to do with pets!

Pet business makes an excellent investment opportunity that is niche, and have huge market potential.

  1. Publication Business

Many companies need a specialised service provider to engage the public with company business plans, products and services, community initiatives etc. A publication business offering to communicate to the public on behalf of the companies is a good investment option.

  1. Businesses catering to oil and gas, marine industries
  •  Welding Businesses

Although it is a plain job, welding is a necessary service in oil and gas and marine industries. There are a lot of small businesses doing this in Australia and are open and available for investing, buying or selling options.

  • Servicing Business

Taking contracts to service gas plants is a mid-level investment option that has a continuous inflow of orders and money.

  • Marketing Services

Investing in marketing service provider to oil and gas companies is a lucrative option. The service involves acting the entrepreneur to act as a facilitator between production companies and the consumers or retailers.

  1. Environment Related Businesses


  • Waste Management Business

With increasing public consciousness about environmental protection and restoration management of waste has gained much focus and opened up a business gateway. Investing in waste management is a happening thing in Australia at present.

  • Green Construction

Civil engineers are moving away from traditional methods and materials of the building, some of which are harmful to the environment. Civil engineers and architects are now interested to work with environmentally friendly materials and methods of construction to safeguard the environment. If you are looking for a sustainable business investment option, this is indeed one of them.

  1. Health and Wellness Businesses

Australia has one of the best healthcare infrastructures in the world! That seeds many other supporting activities as investment attracting small businesses. Nutrition-related products and services, fitness related services, and pregnancy fitness services are a hot favourite businesses in Australia making them great business investment opportunities.

You may like to look through this business buying and selling sites:


Angel Investing in Australia

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