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We solve lender cash flow problems.  We buy Promissory Notes.

GETTING TO KNOW US

We solve lender cash flow problems.  Lump sum Cash.  Fast.

We buy promissory notes -- fast for cash -- no fees, no commissions, and we pay the closing costs.

 

Sometimes you need some cash now instead of future cash flow!  We are ready to give a fair cash offer.


We help lenders who hold promissory notes (including seller-finance, owner-finance, and seller-carry lenders) all across America who have mortgages, deeds of trust, and promissory notes for which they would rather have cash now instead of as the payments trickle in over many years.

We'll pay in cash for most kinds of Promissory Notes secured by real estate, including:

  • Vacant Land - Rural, agricultural, infill, etc.
  • Residential - Single Family, Multi-Family, Farm / Ranch, etc.
  • Commercial - Office, Retail, Industrial, etc.
  • Specialty - Multi-Family, Mobile Home, Storage, etc.
  • Performing Notes OR Non-Performing Notes
  • Secured via recorded Mortgage, Deed of Trust, or Trust Deed
  • It doesn't matter...

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Civignite Promissory Note Overview

Some Common Reasons for Selling a Note

There are many different reasons why people "carry-back" a Note from property they sold.  And, there are many different reasons why those same people look later to sell their Note.  Here are few:

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Capture an Investment Opportunity

Free up funds for a new investment opportunity.

Buy a New Vehicle

Is it time for a new vehicle?

Travel

See the grandkids.  Take the cruise or round-the-world trip.  Maybe finally get to Europe?  Bucket-list time?

Pay off Debt

Get rid of that nagging debt.

Qualify for Assisted-Living or Medicaid Programs

Some needs-based programs or governmental programs have financial qualification requirements.

Unexpected Medical Expenses

Life happens.  Large medical expenses can come as un-welcome surprise.

Never Really Wanted to be a Bank

You would have preferred cash when you sold your property.  Being the bank wasn't your first choice.

Retire with Peace of Mind

Enter retirement with a nice nest-egg.

Purchase a New RV or Boat

See the National Parks.  Take the family and friends out on the water.

Freedom

Get free of the hassle of collecting monthly payments.

​​​How it works...

  1. Tell us about your Promissory Note by completing the form.  Fill out the form on this page and submit your Note info.  We’ll automatically receive the information and begin our review process.  We look at the loan documents, payment history, the underlying property, and we research the market to determine what we can offer for your Promissory Note.
  2. We send the Note Holder (Seller/Lender) a cash offer.  We send an email to the Note Holder (the Seller / current Lender) to present a term sheet / agreement.  If all looks good, the Note Holder simply sends us a photo of the signed document via email and we will start the Note purchase process with help of a title company.
  3. The Note Holder (Seller/Lender) gets paid.  Once we have a signed agreement we will begin the Note closing process and arrange a closing date with the Note Holder.  Leave all the work to us to close on this Note sale.  Funds will be sent to the seller by check or wired to the seller's bank account based on the seller's preference.  Lump Sum Cash.
  4. We notify the Borrower.  The only thing that changes for the Borrower is how/where to send in the monthly payments.  The Borrower's payment amount, interest rate, due date, etc., stays the same.  They will simply be sending their payments to a new address.
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WHAT OUR CUSTOMERS SAY

Testimonials

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