No Ted, its silly to think a buyer is going to take a sellers internal financing into consideration and bid according to that. Can you show any bid by any company in the last 30 years where there is any evidence that the bidder took into consideration the sellers internal options? Just a single case will do, just to show that it is possible.
I'll try to show you how silly that idea is. A person is selling a car, book value $1000. He owes $1500 to the bank on the car. A buyer offers $1100, just slightly over book value, wanting a quick sale. The buyer says "no, I want more because I owe $1500 to the bank on it". Of course, the seller walks away. "I could care less what you owe the bank, the car is worth $1,100 at most. I'm not paying you more than the car is worth because you took out a loan too large!".