Ed WeeksFounder & M&A Advisor, Weeks Consulting Group · Founder & M&A Advisor | Lower Middle Market at Weeks Consulting Group

SBA Seller Note Rules: Full Standby Explained

7 Oct 2026 · 0 min

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0:16

A seller note counts toward your down payment only if it's on full standby, meaning the seller gets no payments while the SBA loan is active. Any payments during the loan term disqualify it and increase your debt service instead.

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