Seller finance structuring

Hi all 👋 I’m reviewing a small UK, asset-light service business and would appreciate a quick second opinion on upfront payment and seller-finance payback terms before going deeper.

Very high level:

Profitable, owner-operated digital marketing agency
Seller open to seller finance
Main question is what’s sensible for upfront cash vs deferred payments given people-dependency and cash-flow risk

If this is okay to share here, happy to post a short outline.

Thanks in advance.

Tarun

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Seller finance structuring