We buy mortgage notes, land contracts, business and commercial notes from private sellers nationwide. Free quote, no obligation.
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If you sold a property or a business and let the buyer pay you over time, you hold a note. CashNoteUSA buys those notes from private sellers across the country, so you can have one lump sum now instead of waiting years for the rest of the payments.
The example on the right shows how it works: the payments still owed to you become one lump sum at closing. Your borrower keeps the same terms and simply pays the new holder.
Pick the kind of note you hold to see how a sale works for it, what we look at and which documents help.
Owner-financed homes, land and small rentals.
Seller financing from the sale of a business or equipment.
Notes secured by retail, office, industrial and multifamily property.
Private notes secured by real estate or other collateral.
Contracts for deed and installment land contracts.
For investors who want to buy performing notes.
Use the quote form or call us. The basics are enough to start: the balance, the payment, how many payments are left and what secures the note.
The promissory note, the mortgage or deed of trust, the closing statement and the payment history. You can upload them on our upload page.
A note specialist reviews the payment history, the property or collateral and the payer, then sends you a written offer for all or part of the note.
If you accept, closing runs through a title company or attorney. You receive one lump-sum payment and your borrower is told where to send future payments.
Free, no-obligation quote. Most people only need the basic terms to start.
Every note is priced on its own facts. You receive cash today for payments that would otherwise arrive over years, so the price is lower than the balance. How much lower depends mostly on these:
You can sell all of it or only part. A partial sale turns a set number of payments into cash now; after those, the payments come back to you.
| Sell the whole note | Sell part of the payments | Keep collecting | |
|---|---|---|---|
| Cash now | One lump sum for all remaining payments | A lump sum for a set number of payments | None; you receive payments over time |
| After that | You’re done collecting | Payments come back to you once the sold ones are paid | You keep collecting until payoff |
| Risk of non-payment | Moves to the note buyer | Shared: the buyer carries the sold payments | Stays with you |
| Fits you if | You want out completely or have a better use for all the money | You need a set amount now and want long-term income | The payer is reliable and you don’t need cash |
Not sure? Ask for a full and a partial quote at the same time and compare them side by side.
Enter your note’s terms to see the balance still owed, the payments left and what a partial sale would look like. It only does the math; your real quote comes from the review above.
This calculator only does the math on your note’s terms. It is not an offer or a price; what a note sells for depends on the review described on this page.
The borrower pays as agreed. These are most of the notes we buy, as a full or partial purchase.
A few late payments lower the price but don’t rule a note out. Tell us the history up front so the quote is realistic.
Payments have stopped. We still review these; the price reflects the time and cost of working out a solution with the borrower.
The Note Assistant asks one question at a time, in plain English, and collects the details a note specialist needs: the kind of note, the balance, the payment history and whether you’d sell all or part of it. It never quotes a price; a person does that after review.
We also offer selected performing notes, secured by real estate, to investors on our list. Tell us what you’re looking for and we’ll contact you when a matching note is available.
We buy notes on properties in every state. Find state-specific information:
It depends on the balance, the interest rate, the payment history, the equity in the property and the borrower’s credit. A note specialist reviews those and sends you a written offer. Getting a quote is free and there’s no obligation to sell.
Yes. In a partial sale you sell a set number of payments for cash now and keep the rest. After the sold payments are made, the payments come back to you.
No. The note is assigned to the new holder and the borrower is told where to send future payments. Their interest rate, payment and other terms stay the same.
The promissory note, the mortgage or deed of trust (or the land contract), the closing statement from the original sale and the payment history. Insurance and tax information on the property help too.
It depends mostly on how quickly the documents and title work come together. Having the documents ready when you ask for a quote is the biggest way to speed it up.
Often, yes. A few late payments lower the price but don’t rule the note out. Tell us the history up front so the offer is realistic.
Notes secured by real estate (homes, land, rentals, commercial property), land contracts and contracts for deed, and notes from the sale of a business. Not sure about yours? Ask the Note Assistant or call us.
This is the form the “Get my cash offer” buttons lead to. Fill in what you know about your note; you don’t need every detail to start. A note specialist reviews it and calls you with a written offer. No cost, no obligation.
Want to read more first? See how the note selling process works or our FAQ.
