{ “@context”: “https://schema.org”, “@type”: “BlogPosting”, “headline”: “The Installment Sale Strategy (Section 453): Become the Bank to Save Millions in Taxes”, “description”: “Don’t take a lump-sum buyout. We analyze how structuring your business sale as an ‘Installment Sale’ allows you to defer capital gains taxes for decades while earning 6-8% interest on the float.”, “datePublished”: “2026-01-22T09:00:00+09:00”, “dateModified”: “2026-01-22T09:00:00+09:00”, “author”: { “@type”: “Organization”, “name”: “Best Money Tip Editor”, “url”: “https://bestmoneytip.com/about/” }, “publisher”: { “@type”: “Organization”, “name”: “BestMoneyTip”, “logo”: { “@type”: “ImageObject”, “url”: “https://bestmoneytip.com/logo.png” } }, “mainEntityOfPage”: { “@type”: “WebPage”, “@id”: “https://bestmoneytip.com/installment-sale-tax-strategy” } } { “@context”: “https://schema.org”, “@type”: “FAQPage”, “mainEntity”: [ { “@type”: “Question”, “name”: “What is an Installment Sale (Section 453)?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “It is a sale of property where you receive at least one payment after the tax year in which the sale occurs. Instead of paying tax on the entire gain immediately, you pay tax pro-rata as you receive the principal payments over time.” } }, { “@type”: “Question”, “name”: “Why is this better than a lump sum?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Two reasons: 1) Tax Deferral (investment growth on tax money). 2) Interest Income (you charge the buyer 7-8% interest). It turns an exit into an annuity.” } }, { “@type”: “Question”, “name”: “What is the risk?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Default Risk. If the buyer fails, you must foreclose. Always secure the note with a lien on business assets or stock pledge.” } } ] } /* [V7.5 Design System: Tax Tips (Red Theme)] */ :root { –primary-color: #c0392b; /* Tax Red */ –primary-light: #fdf2f2; /* Pastel Red */ –text-dark: #2c3e50; –text-body: #333; –border-color: #eee; } /* Base Layout */ .sbt-container { font-family: -apple-system, BlinkMacSystemFont, “Segoe UI”, Roboto, Arial, sans-serif; line-height: 1.75; color: var(–text-body); max-width: 900px; margin: 0 auto; padding: 0 15px; box-sizing: border-box; } h1 { font-family: Georgia, serif; font-size: 2.4rem; font-weight: 700; color: #1a1a1a; margin-bottom: 1.5rem; letter-spacing: -0.5px; line-height: 1.2; text-align: center; } /* H2 Signature Swoosh */ h2 { font-family: Georgia, serif; font-size: 1.6rem; color: var(–primary-color); margin-top: 3.5rem; padding-bottom: 0.5rem; position: relative; text-align: center; border-bottom: none !important; } h2::after { content: “”; position: absolute; bottom: 0; left: 50%; transform: translateX(-50%); 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}); }, { threshold: 0.1 }); els.forEach(el => io.observe(el)); } else { els.forEach(el => el.classList.add(‘is-visible’)); } // [2] Chart Logic (Line Chart) – Fail-Safe Enabled const chartEl = document.getElementById(‘chart_installment_sale’); window.drawInstChart = function() { if (!window.google || !google.visualization) return; var data = google.visualization.arrayToDataTable([ [‘Year’, ‘Lump Sum (Taxed)’, ‘Installment (Deferred)’], [‘Start’, 3500000, 5000000], [‘Yr 2’, 3990000, 5450000], [‘Yr 4’, 4550000, 5950000], [‘Yr 6’, 5200000, 6500000], [‘Yr 8’, 5950000, 7150000], [‘Yr 10′, 6800000, 7900000] ]); var options = { title: ’10-Year Net Wealth Projection ($5M Exit)’, titleTextStyle: { color: ‘#2c3e50’, fontSize: 16, bold: true, fontName: ‘Georgia’ }, hAxis: { title: ‘Time Horizon’, textStyle: { color: ‘#777’ } }, vAxis: { title: ‘Net Wealth ($)’, format: ‘short’, textStyle: { color: ‘#2c3e50’ } }, legend: { position: ‘bottom’ }, chartArea: { top: 40, width: ‘85%’, height: ‘60%’ }, colors: [‘#c0392b’, ‘#27ae60’], /* Red (Lump) vs Green (Installment) */ lineWidth: 3, animation: { startup: true, duration: 1500, easing: ‘out’ } }; new google.visualization.LineChart(chartEl).draw(data, options); }; function loadGoogleCharts() { if (window.google && google.charts && google.visualization) { google.charts.load(‘current’, { packages: [‘corechart’] }); google.charts.setOnLoadCallback(window.drawInstChart); return; } const timeoutId = setTimeout(() => { const el = document.getElementById(‘chart_installment_sale’); if (el && (!el.innerHTML || el.innerHTML.trim() === “”)) { el.innerHTML = ‘‘; } }, 3000); const s = document.createElement(‘script’); s.src = ‘https://www.gstatic.com/charts/loader.js’; s.onerror = function() { clearTimeout(timeoutId); const el = document.getElementById(‘chart_installment_sale’); if (el) el.innerHTML = ‘‘; }; s.onload = function() { clearTimeout(timeoutId); google.charts.load(‘current’, { packages: [‘corechart’] }); google.charts.setOnLoadCallback(window.drawInstChart); }; document.head.appendChild(s); } if (chartEl) { if (‘IntersectionObserver’ in window) { const ioChart = new IntersectionObserver((entries, obs) => { if (entries[0].isIntersecting) { loadGoogleCharts(); obs.disconnect(); } }, { threshold: 0.1 }); ioChart.observe(chartEl); } else { setTimeout(loadGoogleCharts, 1500); } } let t; window.addEventListener(‘resize’, () => { clearTimeout(t); t = setTimeout(() => { if (window.google && google.visualization) window.drawInstChart(); }, 250); }); })();