You don't have to sell your entire note to get the cash you need. A partial purchase lets you cash out now and keep collecting payments later.
A partial note purchase is when you sell only a portion of the remaining payments on your note — not the entire thing. You choose how many payments to sell, receive a lump sum of cash for those payments, and then resume collecting payments yourself once our portion is complete.
Think of it like renting out a piece of your income stream. You get immediate capital for the payments you sell, and everything after that comes back to you — including the remaining balance and any future payoff.
It's a flexible way to access cash without giving up the long-term value of your note.
Say you hold a note with 120 monthly payments remaining. You need $30,000 for a new deal but don't want to sell the entire note.
We purchase the next 48 payments from you. You get your $30,000 in cash. We collect 48 payments. After payment 48, the note reverts back to you — you collect all remaining payments plus any balloon or payoff.
You got the cash you needed, kept the long-term upside, and took a smaller discount than you would have on a full sale.
Yes. If your buyer put down less than 20% and you do not want to give a buyback guarantee, we buy a partial instead of the whole note.
A buyer with little money in the deal is more likely to walk away, so we do not buy the full note. We buy your next payments, up to 60 of them, priced at an 18% yield and capped at 40% of the sale price. That keeps our money well below what the land is worth. After our last payment, the note comes back to you.
This also works when the buyer put down less than $10,000, which is under our minimum for a full purchase. If you will guarantee a buyback, we can price the full note instead.
You sold land for $60,000 with $3,000 down. Your buyer owes $57,000 at 10.9% over 10 years, about $782 a month.
The 40% cap is $24,000. We buy the next 41 payments for about $23,800. After payment 41, the note comes back to you with about $44,000 still owed, plus every payment after that.
See the difference between selling your entire note and selling just a portion of the payments.
These are simplified examples for illustration. Actual pricing depends on note terms, payment history, and property details.
A partial sale gives you flexibility that a full sale simply can't.
You're selling fewer payments, which typically means a smaller overall discount compared to selling the entire note.
After our portion is paid, the note reverts to you. You collect all remaining payments, including any balloon or early payoff.
Need $25K for a new deal? We structure the partial to get you exactly that — no more, no less. You keep the rest.
Your note keeps performing. You maintain your position as the note holder for the remaining term after our payments are collected.
Use the cash from a partial to fund your next deal. Scale your portfolio without giving up your existing income streams entirely.
We work with you to structure the partial around your exact needs — how much cash, how many payments, what works best for your situation.
Same fast, transparent process — just tailored around how many payments you want to sell.
Submit your note details and let us know how much cash you're looking for or how many payments you'd like to sell.
We'll calculate a partial purchase that meets your cash target and show you exactly how it works — payments sold, cash out, and what reverts to you.
Once you approve the terms, we handle the paperwork and fund quickly. Same fast closing process as a full note purchase.
After we collect our purchased payments, the note automatically reverts back to you for the remaining term.
We don't do cookie-cutter deals. Here are some ways we can customize a partial to fit your goals.
Sell a specific number of payments — 24, 48, 60, or whatever makes sense. Simple and predictable for both sides.
Tell us how much cash you need. We'll reverse-engineer the number of payments required to hit that target and show you the math.
In some cases, we can structure a deal where the monthly payment is split — a portion comes to us and a portion stays with you throughout the term.
Hold several notes? We can buy partials across multiple notes to get you to your cash target while minimizing the impact on any single note.
Yes. With under 20% down and no buyback guarantee, or under $10,000 down, we buy up to 60 of the next payments at an 18% yield, capped at 40% of the sale price. After our last payment the note comes back to you.
There's no hard minimum. We'll work with you to find a structure that makes sense for both sides. Generally, the more payments included, the better the pricing.
If the note is paid off during our portion, we receive the payoff up to the amount owed to us. Any remaining balance after our portion is satisfied goes back to you.
We purchase the right to receive a specified number of payments. During that period, we manage collections for those payments. After our portion is complete, full control returns to you.
The per-payment discount on a partial may be similar, but because you're selling fewer payments, the total dollar discount is typically less. Plus you keep all the remaining value after our payments are collected.
We handle the default process during our payment period. The specific approach depends on the deal structure and is outlined clearly before closing so there are no surprises.
Potentially, yes. Once our initial partial is complete and the note reverts to you, we can discuss another partial if you need additional capital down the road.
A partial note purchase is when a note buyer purchases only a portion of the remaining payments on a seller-financed note. You receive cash now and recapture the remaining payments after the partial period ends.
A partial lets you access immediate cash while retaining some future income from the note. It often results in a higher effective yield than selling the full note outright.
Get a no-obligation quote and see how much cash you could access without selling your entire note.
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