Seller financing allows business buyers and sellers to remove the middleman (bankers) and work together directly to come up with a funding deal. Typically, this involves two documents: a financing agreement (basically a loan document outlining the details and terms of the loan) and a promissory note.The California Department of Real Estate has published this booklet in response to an apparent need for information concerning disclosures. What I want to talk about right now is how to basically structure what's called the down payment arbitrage. A business purchase agreement marks the official start to the sale of a business. Read our blog to better understand each part of this important document. BizQuest is the Internet's leading businesses with owner and seller financing for sale marketplace.