Partial Note Sales
Need Cash But Want To Keep Some Future Payments?
A partial sale lets you convert part of your note into cash today while keeping a long-term income stream. For many note holders, it's the most flexible option available.
The Concept
What Is A Partial Note Sale?
In a partial sale, you sell a defined portion of your note – typically the next several years of payments – in exchange for a lump sum. Once that period is complete, the remaining payments revert back to you. The borrower never sees a change.
It's a powerful tool for note holders who want liquidity now but still believe in the long-term value of the note.
Get cash today
Receive a meaningful lump sum without giving up the entire income stream.
Resume receiving payments later
After the agreed period, monthly payments revert to you.
Often a better effective price
Partial sales typically produce a smaller discount than full sales.
Tailor the structure to your goals
Sell a number of payments, a dollar amount, or a percentage of cashflow.
Example
A Partial Sale In Practice
Original Note
$180,000
balance · 7.5% · 18 yrs left
Monthly payment: $1,520
You Sell
Next 36 payments
3 years
Lump sum: ~$34,000
You Keep
All remaining payments
After year 8, payments return to you
Residual balance still owed to you
Illustrative example only. Actual structures depend on the specific note and your goals.
Get Started
Explore A Partial Sale
We can quote both a full purchase and a partial purchase side-by-side, so you can see the trade-offs clearly and choose what fits your goals.
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