Promissory Note Liquidation & Note on Note Financing Protocol
Unlock Immediate Liquidity: Sell Your Promissory Note with Confidence
Promissory Note Liquidation The Private Sale Protocol
Unlock immediate liquidity and passive income. Holding a private note is a strategy; selling it is a liquidity event. We execute a Private Sale Protocol designed to maximize exit value for note holders.
I. Beyond the "Cash Offer"
The market for existing notes is active but flooded with "Cash for Notes" buyers using broad formulas. Fitzgerald Advisors does not offer "spot prices."
Unlike note brokers who flip assets to individual investors, we present your asset to vetted institutional investors. These buyers purchase for portfolios and pay premiums for Investment Grade Assets.
The Valuation Gap
Most note holders leave 15-20% of their equity on the table by accepting the first offer. To command a premium, your note must be packaged correctly. Performing notes that offer a steady income stream are highly sought after when presented with institutional-grade due diligence.
II. The Execution Mandate
We do not follow a "sales process." We follow a rigid divestiture protocol designed to protect your equity and ensure thorough due diligence at every step:
We audit Pay History, Credit Score, and LTV equity. We review all relevant legal documents and loan terms, including the repayment schedule. A verifiable payment history is the single biggest driver of price.
We confirm enforceability. Is the Deed of Trust recorded? Is the original Promissory Note in hand? We cure defects before marketing to prevent price retrading.
We do not list on public "eBay-style" exchanges. We engage a closed network of Private Equity & Family Office buyers who pay premiums for clean, secured paper.
Closing is handled via licensed Title Companies. Funds are wired, and assignments are recorded. You trade future payments for immediate, lump-sum capital.
III. Transaction Briefs (Case Studies)
Results matter. Here is how the Protocol creates value over the "Retail Market."
The "Seasoning" Uplift
Situation: Seller held a $150k note with only 8 months history. Local buyers offered 65% due to "lack of seasoning."
Protocol: We verified the borrower's 720 FICO and restructured the file for a Family Office seeking tax-advantaged yield.
Execution: 88% of UPBThe Title Cure
Situation: Private lender held a non-performing note. Public auctions offered "scrap value" (30%) due to broken chain of title.
Protocol: We engaged counsel to cure assignment defects before marketing, selling it as "Pre-Foreclosure" paper.
Execution: 62% of UPBIV. Accepted Asset Classes
We provide liquidity solutions for secured debts across the capital stack:
- Residential Mortgage Notes (Performing & Non-Performing)
- Commercial Real Estate Notes (First Lien Position)
- Seller-Financed Business Notes (With Tangible Collateral)
- Land Contracts & CFDs
Technical Appendix: Note Market Mechanics
What is a note in finance? It is a debt security that obligates repayment of a loan. In our context, mortgage note investing involves purchasing this debt secured by real estate. When a mortgage note is created, the note holder makes an initial investment to receive a steady stream of passive income via monthly payments.
However, if a borrower defaults or fails to meet timely payments, the note becomes a liability. Selling mortgage notes allows the holder to avoid the foreclosure process and active property management.
What is a note loan? Simply put, it is the asset side of the lending equation. Evaluating mortgage notes requires analysis of the loan terms, interest rate, and the underlying property value.
We also advise on complex structures like note on note financing (hypothecation). Whether you are asking what is a note in real estate or seeking to divest performing notes with a fixed interest rate, our thorough due diligence ensures that legal documents are intact for financial institutions and individual investors.
Value Your Promissory Note
Do not guess. Know the Net Present Value (NPV) of your asset. Initiate a confidential review to determine your liquidity options.
Direct Mandate Access:
Jeffery Hartman Director of Portfolio Liquidity & Asset Disposition