Buyers and Builders 5 Acquisitions in 24 Months: How I Got 60-70% Seller Financing | Millen Rastogi Interview
Feb 13, 2026
Millen Rastogi, CEO who left Deutsche Bank to rebuild his family home care business and lead a roll-up. He tells how he funded growth with creative credit, PPP and seller financing. Short stories cover messy compliance, a scrappy first buy, a $3.5M deal with 70% seller financing, walking away from bad deals, and using AI to speed M&A diligence.
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First Organic Growth Then A Scrappy Close
- Millen grew revenue from ~$500k to $1.2M in his first year and built internal teams and tech.
- His first tuck acquisition closed opportunistically with ~40% seller financing using patched-together capital.
Negotiate Seller Notes As A Win-Win
- Always include seller financing as a negotiation tool to bridge price and align post-close incentives.
- Frame seller notes as tax-advantageous and flexible (LLC/corp can hold the note) to make them attractive.
Messy Second Deal Taught Tough Lessons
- Deal two taught Millen that many sellers hide material issues and due diligence costs can soar.
- He walked away when necessary and used aggressive negotiation to reprice or exit.