CashForBusinessNotes.com
VOL. 01  ·  Direct Cash Buyer  ·  Nationwide Purchases

Cash for business notes. No broker. No theater.

We are a direct cash buyer of owner financed business notes. The number we quote is the number that funds, paid from our own balance sheet. No marketplace, no shopping the note to a stranger, no commission baked in on top.

Get a Cash Offer Or call (615) 933-5526
Stack of one hundred dollar bills representing direct cash purchase of business notes
Funded the day after signing
The fastest way to sell a business note is to talk to the person who owns the checkbook. We are that person.
— Our entire pitch, in one line

What we buy.

Performing seller financed business paper, nationwide. The collateral type and lien position matter for pricing, not whether we will quote it. If a seller carried a note when the business sold, we will look at the file.

I.

Full notes

Buy out the entire balance in one closing. Most sellers choose this when they want one clean tax event and no more counterparty risk to manage.

II.

Partial buyouts

Sell a defined number of future payments. Keep the long tail of yield. Useful when the seller wants a lump sum but is not in a hurry to part with the whole instrument.

III.

Distressed paper

Non performing notes priced on a recovery model. Wider discount, longer underwriting cycle, but the desk is open. Send the file and we will tell you what it is worth in writing.

The Comparison

Direct buyer versus broker.

A broker is paid to find a buyer for the note. We are the buyer. Below is how that changes the seller's experience in practical terms.

CashForBusinessNotes.com
The Average Broker
Who decides on price
Our underwriter, on the first review
A third party investor who has not seen the file yet
Time to written offer
2 to 4 business days
2 to 4 weeks of phone tag
Commission paid by the seller
Zero
Often 5 to 10 percent of the offer
Closing handled by
Our in house closing team
A title company hired by the eventual buyer
Single point of contact
Yes, from first call to wire
Broker, then buyer, then buyer's attorney
Capital source
Our own balance sheet
A network of unrelated buyers

The Offer Form

Tell us about the note.

The seven fields below take about three minutes. The number comes back inside two to four business days.

Business Note Submission

No obligation. No follow up calls unless requested.

The Q and A

Questions sellers ask before sending the file.

If you do not see the question here, dial the number directly.
Reach the desk at (615) 933-5526.

How is the cash offer priced?
An underwriter discounts the remaining cash flows of the note using three inputs: payment history, the credit profile of the person making the payments, and the collateral securing the note. Notes with clean histories and strong maker credit clear in the 75 to 90 percent of unpaid balance range.
When does the money actually hit the seller's account?
Two to four business days from submission to a written offer. From the day the seller signs the acceptance, due diligence and closing close inside about three weeks. Real estate collateral that requires a title commitment is on the longer end. Pure business asset paper closes faster.
Are there any fees the seller has to pay?
None. There is no broker commission, no application charge, no diligence fee, no closing fee charged to the seller. The discount we publish is the only number that affects the seller's proceeds. Title work on real estate collateral is paid from our side of the closing statement.
Will the person making the payments find out the note was sold?
Yes. After closing, the maker receives a notice of assignment that tells them where to send payments going forward. Nothing else changes on their end. The note terms, the rate, and the payment amount all remain identical.
What needs to be included with the submission?
The promissory note, the security agreement or deed of trust if collateralized, the original purchase contract for the business, the last twelve months of payment history, and a copy of the maker's driver license. The form above asks for each item in order.
Do you buy a note that is behind on payments?
Yes. The pricing is wider and the underwriting takes longer because recovery has to be modeled, but the desk is open. Send the file with the most recent payment correspondence and our distressed paper underwriter will return a number.
Is the offer subject to change later?
No. The written offer is firm on a 30 day shelf. Once due diligence verifies the documents match what was represented in the submission, the number does not move. Re-trade pricing is a broker move, not a direct buyer move.

One submission. One written number. One closing.

Submit My Note Call (615) 933-5526