We bring competing buyers and a partial-purchase option to every note, then show you exactly how each number was priced.
| Buyer A | $108,700 |
|---|---|
| Buyer B | $112,300 |
| Buyer C Best offer | $115,000 |
| Partial: next 60 payments | $56,200 you keep the rest |
Competing buyers
Partial purchase
Free quote,
Pricing shownThat is how a note ends up sold for less than it had to be.
See how we do it
Owner-financed sale, inherited note, or business note. See what it is worth today.
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First purchase or adding to a portfolio. See vetted notes as they come in.
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Real estate
Land
Business
Inherited
Non-performing
NoteNo black box. This is the same worksheet we send with every offer.
| Remaining balance | $129,400 |
|---|---|
| Payments left | 168 |
| Buyer’s target yield | 8.0% |
| Purchase price | $115,000 |
| Discount from balance | 11.1% |
| Our fee | shown on every offer |
Largest check today. You hand off all future payments.
Cash now for a set number of payments. The rest come back to you.
Sometimes the best offer is none. We will tell you if that is you.
The note from the example above: $1,140 a month with 168 payments left.
| Sell the whole note | Sell 60 payments | Keep it | |
|---|---|---|---|
| Cash today | $115,000 | $56,200 | $0 |
| Payments still coming to you | None | 108 payments of $1,140, from month 61 | 168 payments of $1,140 |
| Total you receive | $115,000 | $179,320 | $191,520 |
| What you give up | Every future payment | The next five years of payments | A lump sum now |
Illustrative example. Totals add up the payments as scheduled; they assume the payer keeps paying and are not adjusted for the value of money over time.
You should see every offer and the math behind it before you decide anything. That is how we work every note.
Simon White, Founder, Note Brokering
Ask anything. You will get a straight answer, even if it is “keep your note”.
Performing and non-performing notes, with the file and the numbers attached.
It depends on the balance, the interest rate, how many payments are left, the payer’s record and the property behind the note. A buyer pays the price that gives them their target yield, so most notes sell for less than the remaining balance. Every offer we bring you comes with the worksheet that shows how it was reached.
A partial sells a set number of payments, not the whole note. You get cash now, the discount applies to a smaller piece, and the remaining payments come back to you once the buyer has received theirs.
Nothing. A quote is free and you are under no obligation to accept it.
It depends on the note and the paperwork. After you accept an offer, the buyer reviews the documents, the property and the payment history before funding. We give you a realistic timeline for your note along with the offer.