Owner-financed a commercial property? Get one lump sum for the payments you’re owed. Free quote, no obligation.
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You sold a commercial building or land and carried the financing. CashNoteUSA reviews notes secured by income property and can buy the whole note or part of the remaining payments, so you can put the money to work now.
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.
A commercial note is seller financing on a property that is used to produce income or run a business: a strip center, an office building, a warehouse, an apartment complex with five or more units, a mixed-use building, a self-storage facility, or development land. The buyer signs a promissory note, and a mortgage or deed of trust on the property secures it.
Commercial notes are priced on the property’s ability to support the payments, not only on the borrower. That makes the leases, the rent roll and the operating numbers as important as the payment history.
Single-tenant and multi-tenant retail, including properties with national or local tenants.
Small and mid-size office buildings, professional and medical suites.
Warehouses, flex space, light manufacturing and shop buildings.
Apartment buildings and complexes financed by the seller.
Buildings with retail or office space below and apartments above.
Development land, self-storage, mobile home parks and other income property.
Note terms, property type and location, and how long payments have been made.
We look at the note and the property and tell you which options fit: full or partial purchase.
Title, a value review, leases and operating statements, and the payer’s credit with permission.
A title or escrow company handles the assignment, and you’re paid at closing.
Free, no-obligation quote. Most people only need the basic terms to start.
Missing some of these? Send what you have. You can upload documents securely.
| Property | What drives the review | Helpful documents |
|---|---|---|
| Retail | Tenant mix, lease terms, location and traffic | Leases, rent roll, sales reports if available |
| Office / medical | Occupancy, lease length, tenant quality | Rent roll, leases, operating statement |
| Industrial | Building use, tenant or owner-user, condition | Lease or owner-user details, inspection notes |
| Multifamily | Occupancy, rents, expenses, condition | Rent roll, income and expense statement |
| Land | Zoning, access, utilities, comparable sales | Survey, zoning information, tax records |
Commercial notes often carry larger balances than residential notes. The steps are the same, but the review goes deeper: a full look at the property’s income and expenses, a site visit or appraisal, and closer attention to the borrower and any guarantor. For very large notes, we may structure a partial purchase or work with partner investors so you can still sell.
Start with the basics and we’ll tell you early whether the note fits, so you don’t spend time on paperwork for nothing.
| 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 the note’s terms to see the balance still owed and how many payments are left. For a note with a balloon, use the amortization period as the term and keep the balloon date in mind.
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.
Many commercial notes end with a balloon payment. If the borrower may struggle to refinance when it comes due, selling the note earlier, or selling the payments up to the balloon, can move that risk off your plate. We’ll look at both the monthly payments and the balloon when we price the note.
Owner-financed homes, land and small rentals.
Seller financing from the sale of a business or equipment.
Private notes secured by real estate or other collateral.
Contracts for deed and installment land contracts.
For investors who want to buy performing notes.
Yes. Multifamily properties with five or more units are reviewed as commercial notes; one to four units are treated as residential.
Vacancies don’t rule a note out. We look at the overall income, the equity and the borrower’s strength together.
Yes. Balloon notes are common in commercial seller financing; the time left until the balloon and the borrower’s ability to refinance both matter.
No. We arrange our own value review. If you already have an appraisal, sharing it can speed things up.
No. After closing the borrower simply sends payments to the new note holder on the same terms.
No. The review and quote are free with no obligation.
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.
