Where Sellers Become the Bank.
Seller Mortgage Capital helps commercial property owners structure, underwrite, close, service, and monitor seller-financed transactions.
We believe seller financing should be approached with the same discipline, underwriting, servicing, and collateral management typically associated with institutional lenders.
Seller financing isn't just a sale. It's lending.
When a property owner agrees to accept payments over time, that owner effectively becomes the lender. Seller Mortgage Capital provides the infrastructure needed to support that transition.
Our Mission
Seller Mortgage Capital exists to transform seller financing from a private arrangement into an institutionally managed transaction.
We help commercial property owners:
- Evaluate prospective buyers
- Structure financing terms
- Coordinate due diligence and closing
- Service seller-financed loans
- Monitor collateral
- Support future note liquidity
The seller provides the capital.
Seller Mortgage Capital provides the infrastructure.
What Makes Us Different
Most seller-financed transactions are managed as private agreements between buyers and sellers.
We believe seller financing should be approached with the same underwriting, servicing, and asset-management discipline used by professional lenders.
Our process supports the entire lifecycle of a seller-financed transaction:
Transaction Structuring
Determine pricing, terms, down payment requirements, amortization schedules, and financing structure.
Buyer Underwriting
Review financial strength, liquidity, creditworthiness, guarantors, and repayment capacity before financing is extended.
Due Diligence & Closing
Coordinate title, survey, appraisal, inspections, insurance review, documentation, and closing requirements.
Loan Servicing
Manage payment administration, remittances, statements, records, payoff requests, and delinquency monitoring.
Collateral Monitoring
Track taxes, insurance, inspections, and other items designed to help protect collateral value.
Note Liquidity
Support future valuation and potential liquidity opportunities for seller-financed notes.
Integrated Infrastructure
Seller Mortgage Capital is building a platform designed to support seller-financed transactions before, during, and after closing.
Our services include underwriting, transaction coordination, loan servicing, collateral monitoring, and note-liquidity support. Where appropriate, we coordinate with legal, insurance, valuation, environmental, inspection, title, survey, and other professionals involved in a commercial real estate transaction.
This integrated approach helps provide sellers with a centralized resource for managing seller-financed transactions.
A Centralized Resource
One platform covering structuring, underwriting, closing, servicing, monitoring, and note liquidity for seller-financed commercial transactions.
Professional Relationships
Seller Mortgage Capital works with a network of commercial real estate professionals and service providers to support due diligence, valuation, closing, servicing, and collateral oversight functions throughout the transaction lifecycle.
Nationwide Coverage
Seller Mortgage Capital supports commercial seller-financed transactions throughout the United States.
Seller financing doesn't have to be a private arrangement.
Seller Mortgage Capital helps commercial property owners bring institutional infrastructure to seller-financed transactions.
Talk to a Specialist