Turning Private Notes Into Cash
We help people who hold private real estate notes turn future payments into a lump sum of cash today. If you sold a property and carried the financing yourself, the note you're collecting on may be worth far more as cash now than as payments stretched out over many years.
We work with Charter Financial — one of the largest buyers of privately held notes in the country. Rather than asking you to navigate the note-selling market on your own, we connect you directly with an established national buyer and guide you through the process from start to finish.
How the Process Works
Tell us about your note
Share a few basic details — the kind of note you hold, where the property is located, and the general payment terms. It only takes a few minutes, and there's no cost or obligation to begin.
We review and refer
We look over the basics and connect you with Charter Financial, passing along the information needed to prepare a quote. You're never handed off and forgotten — we stay involved to keep things clear and moving.
You receive a quote
Charter Financial evaluates your note and presents a no-obligation offer for purchase. There's no pressure to accept — you're free to review the offer and decide whether it makes sense for you.
Close and get paid
If you accept, Charter completes the purchase through a secure, professional closing process, and you receive your funds. Detailed paperwork is handled at this stage — not in the first inquiry.
Why Start Here
Anyone can search for a note buyer online. What we offer is a straightforward path and a real point of contact: we help you understand your options, ask the right questions, and connect with a trusted national buyer — without the guesswork and without the pressure.
Get Started →No cost to inquire. No obligation to sell.
Why Cash Now?
A note can look good on paper and still not fit the life you're living. Payments trickle in over many years, while the things you need — or want — are often right in front of you. Here are some of the reasons people decide a lump sum today is worth more than payments stretched across a decade or more.
Putting money to work now
A new opportunity, a business, a property, or an investment may matter more today than slow monthly income.
Simplifying your finances
One lump sum is easier to manage, plan around, and account for than a stream of payments you have to track and collect for years.
Removing the risk
Every note carries the chance that the payer stops paying. Selling transfers that uncertainty off your shoulders.
Funding a major life moment
Retirement, a home purchase, education, medical needs, or helping family — these rarely wait for the last payment to arrive.
Settling an estate
Dividing a single note among heirs is difficult. Cash is simple to split, distribute, and close out.
Ending the paperwork
No more servicing, bookkeeping, or chasing late payments. The obligation is simply done.
Whatever the reason, the decision is yours — and it starts with understanding what your note is actually worth as cash today.
Looking for broader financial guidance?
Selling a note is one decision, but it often sits inside a bigger financial picture — retirement, investments, and long-term planning. For those broader questions, you may want to speak with a financial professional.
Bailey Financial Services is a registered investment advisory firm led by Wilder Bailey, offering guidance focused on clarity and the client's best interests.
I think you would be pleased to get to know Wilder and his ideas about how he is taking advantage of the historic economic times in which we are living.
It operates separately from this site, but if your questions go beyond your note, it's a resource worth knowing about.
Learn more at baileyfs.net →