We underwrite and fund every offer with our own capital. One counterparty from first call to wire. No chain of intermediaries, no second markup on your number.
One underwriter. One closing. One number in writing. The business note market does not need to be a black box, and the seller does not need a broker to translate it.
Brokers built the secondary market for business notes because there was never a single buyer big enough to underwrite the whole spectrum of paper. That is no longer true. We deploy our own balance sheet on performing seller financed notes nationwide. The seller talks to the person making the decision.
Maybe the buyer needed five years of installments to make the price work. Maybe an SBA loan covered part of it and your second sat behind. Either way, the asset on your personal balance sheet today is a promissory note. That note is sellable.
No listing on a network. No phone shopping by a broker. The discount rate we publish is the rate that buys the paper. If the discount math does not work for the seller, we say so on the first call, not three weeks into a phantom diligence cycle.
Our team prepares the assignment, coordinates the title insurer when collateral is real estate, and wires funds the day after the seller signs. Most closings land inside three weeks.
Most sellers complete every step from a single desk. There is no in person meeting required to sell a business note when the underlying paperwork is in order.
Upload the promissory note, the security agreement or deed of trust, the underlying purchase contract, and the last twelve months of payment history. The form below collects everything.
An underwriter prices the note against three variables: payment history, maker credit, and collateral position. The number comes back in writing within two to four business days, with a short memo on what drove the rate.
If the seller accepts, our team prepares the assignment of note documents and the closing statement. Signing happens electronically.
After signing, due diligence wraps in days and funds wire the same day diligence closes. The maker of the note then receives a notice of assignment that points future payments to our servicer.
The cleaner the note, the smaller the discount, and the closer the offer to face value. Every business note we buy is underwritten on the same three axes. Strong marks on all three put the note in the tightest pricing tier.
Twelve clean payments on time, no modifications, no missed grace periods. Fresher notes still trade, the rate is just wider.
The buyer who signed the note matters more than the business itself. Strong personal credit on the maker tightens the rate considerably.
Notes secured by real estate or hard business assets price better than unsecured paper. Lien position matters when stacked liens exist on the same property.
The information below is what an underwriter needs to price the paper accurately. Skip any field that does not apply.
If a question is not covered here, calling the underwriter directly is faster than writing.
Reach us at (646) 512-8503.
Two to four business days from submission to a firm offer. No call center, no broker daisy chain.