Everything a residual seller should know before talking to a buyer
Written from the deal table, not from a content calendar. Multiples, attrition, contracts, structure, taxes, and timing, in plain English.
What Buyers Look For in a Merchant Portfolio
The seven things every serious buyer examines: attrition, portability, processor relationship, concentration, mix, documentation, and production.
Read the guide ValuationWhat Is a Typical Residual Buyout Multiple?
Why there is no single number, what actually sets your multiple, and how to find out where your book prices today.
Read the guide ValuationHow to Value a Merchant Services Portfolio
The five-step method buyers use: true net residual, the attrition curve, portability, risk adjustments, and the multiple. Run it before they do.
Read the guide ValuationHow Attrition Affects What Your Portfolio Is Worth
The three attrition numbers buyers run, why the trend matters as much as the level, and what to fix before you sell.
Read the guide ContractsYour Contract Rights: Assignment, ROFR, and Vesting
The three clauses in your agent agreement that decide whether your book is sellable, and how to use a ROFR as leverage.
Read the guide Deal structureHow Portfolio Sales Are Structured
Cash at close, holdbacks, earnouts, attrition tests, partial sales, and what happens to your merchants after closing.
Read the guide TaxesTaxes When You Sell Residuals
Capital gains versus ordinary income, lump sum versus installments, and the questions to settle before you pick a structure.
Read the guide TimingSell Now or Wait?
How to decide with numbers instead of feelings, the 12-month preparation plan, retirement sales, and advances versus a sale.
Read the guide High-riskSelling a High-Risk or Niche Portfolio
CBD, nutra, adult, travel, firearms. What changes when the book is high-risk: the buyer pool, the multiple, and the documentation that closes the gap.
Read the guideWant the number before the reading list? The free portfolio valuation calculator returns a confidential range in about a minute. Selling the whole ISO rather than the stream? Start with selling your ISO, our overview of selling a credit card processing business, and 733Park's guide to valuing an ISO.
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