How to Get Deals Done When Cash or Lenders Fall Short
When traditional funding doesn’t work—when the buyer doesn’t have enough cash, or the lender says no—most deals fall apart.
But for brokers who understand creative financing, that’s where the real work begins.
In this video, we break down practical, real-world strategies that allow you to structure deals that others walk away from—not by breaking the rules, but by thinking differently. What Creative Financing Actually Means
Creative financing isn’t magic, and it’s not a loophole. It’s about structuring deals around possibilities, not problems.
It means exploring non-traditional structures that still align with the value of the business, the goals of the seller, and the resources of the buyer.
This can include:

• Deferred payments
• Performance-based earnouts
• Seller equity rollover
• Asset swaps or hybrid arrangements
• Strategic investors or partnerships

 It doesn’t mean replacing due diligence, ignoring cash flow, or skipping legal safeguards.

 Real Deal Structures That Work
Here are a few examples of creative structures that actually get deals done:

• Earnouts – A portion of the purchase price is paid based on performance over time. Useful when sellers want top dollar, but buyers need time to de-risk.
• Equity Rollovers – Seller retains a small stake post-sale, aligning interests and reducing upfront cash.
• Staged Payments – Buyer pays in fixed installments over a longer timeline.
• Hybrid Financing – Combines seller carry, private capital, and partial bank financing.
• Revenue Share Models – Seller receives a percentage of future revenue instead of a fixed note.

These structures can be tailored—but must be clear, documented, and enforceable. The Broker’s Mindset: Relationship First, Structure Second
Creative financing works because of trust, not tricks.
As a broker, your role is to:

• Understand each party’s goals (not just their numbers)
• Find the real gap—cash, trust, control, timing—and bridge it
• Present options clearly, so sellers don’t feel uncertain or devalued
• Protect both sides by ensuring legal guidance, clarity, and compliance

This isn’t just about clever math. It’s about finding a win-win path that keeps the deal alive and healthy. Presenting Creative Options Without Spooking the Seller
Sellers are often unfamiliar with these terms—and if you present them too early or too aggressively, you might lose their trust.
Here’s how to frame it:

“There are a few ways we could bridge the gap and still meet your goals. One option we’ve used successfully before is [structure]. Would you be open to learning more if it helped the deal move forward on your terms?”

Emphasize that creative financing isn’t a discount—it’s a strategy. When to Use Creative Financing
Use it when:

• A deal makes sense fundamentally, but needs flexibility
• There’s mutual trust and willingness to collaborate
• Traditional financing has been exhausted
• You’re dealing with savvy business owners open to options

• The buyer is underqualified or the business is underperforming
• You’re trying to mask red flags
• You don’t fully understand the implications of the structure