No, it's not worth it. If the buyer doesn't pay, you'd have to sue him for the money--but collecting can be difficult if he hides his assets or is insolvent--or to get the business back-- but if he ruined the business while he ran it, it won't be worth anything--or to get the collateral--but if he in the meantime sold, hid, damaged, etc. the collateral, or there is some other lien (e.g. a UCC lien) on it, you won't effectively get the value of the collateral. In short, there are two many ways for it go wrong, leaving you holding the bag.