What do you mean when you say they're just talking financial??? First question here is a big red flag to me - are they SCAMMERS? I recently received an e-mail regarding my filly and it reads like this:
"Thanks for your mail, im located in uk.Am okay with the condition of the sale of the { Fancy, elegant "B" size 2yr old filly/mare} and about the shipping i have the shipping agent that will be responssible for the shippment for the {Fancy, elegant "B" size 2yr old filly/mare} moreso i just want to inform you that very intrested in your {Fancy, elegant "B" size 2yr old filly/mare},but i have no cash with me now that is the reason i have contact one of my client that is owning me the some of $3,500 and i have told her the total price of the {Fancy, elegant "B" size 2yr old filly/mare}which is $1,450 and he is ready to pay me my money so i have inform by client to issued the certified check to you and i don't know if i can trust you with this transaction, immediately you recieve the check i will want you to up-date the excess funds to the shipping agent via westernunion money transfer so that they will came for the pic-up as soon as you transfer the fund to them .So all i want from you now is to mail me back with you r full contact information...
full name....
full address ......
city.......
zip code.....
country......
phone number both cell phone .so hope to read from you so that the payment can be sent to you as soon as possible.
Best of regards.."
this is the second e-mail i've received like this, first one I received when I was trying to sell my parrot - I received a phone call from a service that is for the deaf/mute, where they type and read over sentances so I thought it was real, until I received an e-mail like the one above but in much better english.
Notice how they just copied and pasted everything, including the mistakes, from the lilbeginnings sale board? And they never asked any real questions about my filly AND they called her an "item". BEWARE - delete their e-mail and just forget about it!
BUT if you are talking with a real person, maybe they are just really young and honestly cannot afford much...i'm that way, my very first horse I couldn't afford more than $100 a month but the owner was very kind, worked it out with me, and I just sent my last payment in last month to prove I do pay off what I say I will =) All it takes is a little trust and a SIGNED CONTRACT!
Same goes if the person is more mature (or older) but just has a limited budget. If you feel this person could give your mini a good home, care for it, keep it up to date on ferrier/shots/de-worming, will love it lots etc. but is simply struggling with monies right now, i'd see about working something out.
Good luck, I hope you get some better help lol i'm not really helpful, never sold a horse yet! But this is just my honest opinion =)