For Private Note Holders

You sold the property.
Why are you still waiting to be paid?

If you carried the financing on a property you sold, you're collecting payments a month at a time — for years. We help you find out what that note is worth as a lump sum of cash today, with a written offer from one of the largest note buyers in the country.

No cost to inquire · No fees to you, ever · No obligation to sell

Free written quote In association with Charter Financial You decide — no pressure, ever A real person answers your questions
The Process

From "what's my note worth?" to money in hand — four steps.

You don't need to become an expert in the note market, and you don't need to shop your note to strangers online. Tell us about it once, and we handle the rest with you — start to finish.

  1. Tell us about your note

    A few basics — the type of note, where the property is, and the general payment terms. It takes minutes, and it costs nothing.

  2. We review and refer

    We connect you with Charter Financial, one of the largest buyers of privately held notes in the country — and we stay involved so nothing stalls or gets lost.

  3. You receive a written offer

    Charter evaluates your note and presents a no-obligation cash offer. Take your time. Ask questions. Compare it to years of waiting.

  4. Close and get paid

    If the number works for you, Charter completes the purchase through a secure, professional closing — and the funds are yours.

The Math of Waiting

How many payments are left on your note?

172 more payments

That's 14 years and 4 months of collecting, bookkeeping, and hoping the payer stays current — one month at a time.

1 year30 years
Why Cash Now

A note can look good on paper and still not fit your life.

Payments trickle in over a decade or more, while the things you actually need are right in front of you. Here's why note holders decide the lump sum wins.

Put money to work now

A new opportunity, a business, a property, an investment — these rarely wait patiently for monthly income to accumulate.

Take the risk off your shoulders

Every note carries the chance the payer stops paying. Selling transfers that uncertainty to someone else — permanently.

Fund a major life moment

Retirement, a home, education, medical needs, helping family. Life's big moments don't run on your note's amortization schedule.

Simplify your finances

One lump sum is easier to plan around than a stream of payments you must track, collect, and account for — for years.

Settle an estate cleanly

Dividing one note among heirs is hard. Cash is simple to split, distribute, and close out.

End the paperwork

No more servicing, bookkeeping, or chasing late payments. The obligation is simply done.

Our Promise

You stay in control — from first question to final decision.

Anyone can search "sell my note" and take their chances. What we offer is a straightforward path and a real point of contact who answers when you call.

Working with us

  • A real person guides you from inquiry to closing
  • A written cash offer from an established national buyer
  • Free to inquire — and no fees to you, ever
  • No obligation at any point; walking away is always fine

Going it alone online

  • Sorting real buyers from lead-harvesting websites
  • Fielding calls from strangers who bought your information
  • Guessing whether an offer is fair — with no one to ask
  • Pressure tactics designed to rush your decision
"Most people who call us have never sold a note before — and that's fine. You only need to do this once. We've done it many times, and we'll walk you through every step in plain English."
CathyCash for Private Notes
No Cost · No Obligation

Find out what your note is worth — today, not in fourteen years.

You don't have to decide anything right now. Share a few details, get a written cash offer, and then the choice is entirely yours. That's it.

Get Your Free Quote

Prefer to talk it through first? Email Cathy@CashForPrivateNotes.com — real answers, no pressure.