Lend. — Business Sale Financing
Track installment payments from your buyer, generate Form 8594, Form 6252, Form 1099-INT, and your CPA Package — all automatically.
Good morning,
Carlos M. González.
Outstanding balance
$487,200
Monthly payment
$8,750
Annual interest
$28,512
Business sold
Tropical Laundry, Bayamon PR — Sale $575,000
Recent payments
Principal $5,420 · Interest $3,330
Principal $5,328 · Interest $3,422
Principal $5,238 · Interest $3,512
$200K–$5M
Typical deal sizes
5 forms
Tax forms covered
January
CPA Package auto-built
1 tool
Everything you need
The problem
A seller-financed business sale generates more tax forms than almost any other transaction: Form 8594 for asset allocation, Form 6252 for installment income, Form 1099-INT for interest paid, and potentially §1245 depreciation recapture. Most sellers discover this when the CPA sends the bill.
Spreadsheets to track payments
Automated payment dashboard
CPA builds 8594 manually — $800+
Form 8594 generated at deal setup
No 1099-INT → IRS penalties
1099-INT + 480.6B generated each January
Buyer doesn't know how much interest they paid
Buyer portal with 24/7 access
Forms included
Form 8594
Asset Acquisition Statement
Allocates the purchase price across the seven IRS asset classes. Both buyer and seller must file consistent allocations. Lend. generates the completed form at deal setup.
Form 6252
Installment Sale Income
Calculates the gross profit percentage and reports recognized gain each year until the balance is paid in full. §1245 recapture is handled as part of the calculation.
Form 1099-INT
Interest Income
Required when the buyer pays you $600 or more in interest during the year. Filed with the IRS and delivered to the buyer for their tax deduction.
PR Form 480.6B
Hacienda's equivalent of 1099-INT
The Puerto Rico form for reporting interest income to Hacienda. Required when the business, property, or parties have nexus in Puerto Rico.
CPA Package
Full year-end bundle
Lend. bundles all year forms into one PDF each January — 8594 (year of sale), 6252, 1099-INT or 480.6B, and the seller summary with interest and principal breakdown.
How it works
Sale price, asset allocation, interest rate, note amount, and payment schedule. Lend. calculates the 8594 and amortization schedule instantly.
Buyer payments are logged manually or detected automatically via email (ACH, Zelle, ATH Móvil). Balance and interest breakdown update in real time.
Invite the buyer to their secure portal to view the amortization schedule, payment history, and tax forms. No more phone calls about how much they paid.
One PDF with Form 6252, 1099-INT (or 480.6B), and the year-end summary. Hand it to your CPA. Repeat every year until the note is paid off.
Pricing
$22/mo each additional note
$200K–$5M deal sizes
Form 8594 prep can cost $500–$1,500 with a CPA. Lend. generates it automatically.
No credit card required. No contracts.
Common questions
No. In addition to property mortgages, Lend. covers personal loans and business sales. Business sales are a separate obligation type with their own set of tax forms (8594, 6252, 1099-INT, 480.6B).
You can import existing payment history when setting up the deal. Lend. will recalculate the current balance and interest breakdown so future tax forms are correct.
Yes. You can log manual payments of any amount at any time. Earnouts or irregular payment structures are recorded as manual payments; Lend. updates the balance and interest breakdown automatically.
Lend. is designed for individual deals from $200K to $5M, covering the majority of small and mid-sized business sales. If your deal is larger, contact us — we'd like to hear more.
Yes. You can invite the buyer to a secure portal where they can view their amortization schedule, payment history, and tax form printouts. They don't need a paid account — buyer access is included in your subscription.
The IRS requires both buyer and seller to file Form 8594 with consistent allocations. Lend. generates the form from the seller perspective. Share a reference copy with your buyer so your respective CPAs can coordinate the allocations.
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