Cash for your seller note
We buy seller-financed business notes: up to 85¢ on the dollar in cash, or up to 95¢ in cash and fund shares.
Notes we bought
Seven notes and $2,602,814 of balances bought since November 2025.
| Month funded | Business | State | Balance bought |
|---|---|---|---|
| August 2026 | Insurance agency book of business | South Carolina | $324,800 |
| August 2026 | Landscaping service | Alabama | $795,356 |
| August 2026 | Pizza restaurant | Florida | $354,303 |
| April 2026 | Daycare | South Dakota | $523,678 |
| April 2026 | Seafood restaurant | Florida | $100,000 |
| March 2026 | Italian ice franchise | Pennsylvania | $250,000 |
| November 2025 | Event rentals | North Carolina | $254,677 |
All cash
For the most cash on the day you close.
We buy the whole note or part of it outright and wire the price at closing. You take less than with shares, and the discount is final, but nothing is left waiting on the buyer.
Up to 85¢ on the dollar
Sell my noteCash + shares
For a higher price, with part of it in our fund.
Part of the price in cash at closing, part in shares of Notecrest Capital Fund, LLC, which holds many notes instead of your one. The shares have the potential to pay distributions and to win back the discount over time; you take less cash today.4,5,6
Up to 95¢ on the dollar
Sell my noteFirst, send us the note.
A short form with the balance, the terms and the payment record. No commitment.
We price it in 2–5 business days.
We read the note, the purchase agreement and the payment history, then send you a written offer.
You choose cash or shares.
All cash, or cash and fund shares, for the whole note or part of it.
Then you get paid.
We close through escrow and wire the cash; closing can fund in as little as 30 days. Then we service the note.
What we look for
Criteria
| Payments | On time, on record | Required |
|---|---|---|
| Lien | First or second position | Required |
| Note terms | Balance, rate, term | Priced |
| Purchase agreement | How the sale was made | Reviewed |
| Borrower | The business, its cash flow | Reviewed |
| Collateral | Assets, property, guarantees | Can raise the price |
| Down payment | The buyer’s own cash | Can raise the price |
Who prices your note
Travis Goad founded Notecrest Capital after 20 years in credit: distressed debt, real estate credit, private credit funds and small-business lending. At Pelorus Capital Group he helped grow a debt fund from $20M to over $400M under management. He runs the fund and the underwriting every note goes through.
Abby Shemesh, our Head of Acquisitions, co-founded Amerinote Xchange in 2006, which has funded over $800M of note purchases in more than 900 transactions. He leads sourcing and everything a seller deals with, from the first call to the closing.
A short film from Travis Goad, our founder, on what Notecrest Capital does and why sellers come to us.
Behind the shares
Questions sellers ask
What is a seller note? When a business is sold and the buyer can’t finance the whole price, the seller lends part of it. The buyer pays a down payment, then the rest over 3–10 years with interest; that loan is the seller note.
Why is there a discount? A seller note is hard to sell: it is private, it depends on one business and one owner, and it pays out over years. The discount pays for that risk and that wait, and in return you have the money now.
How is my offer priced? From how reliable the payments are, the interest rate and the remaining term, the borrower’s finances, the health of the business, and the collateral and guarantees behind the note. Clear documents and a clean payment record get the best price.
How long does a sale take? We send a written offer 2–5 business days after we have the note’s details. Closing through escrow can fund in as little as 30 days; complete documents make it quicker.
Pictures: Promissory notes, Thomas McKee to John Tipton, 1819-12-13, public domain, via Wikimedia Commons; Promissory note, George F. Pope to John Smith, 1816-12-11, public domain, via Wikimedia Commons; Promissory note, Jacob ? to Caleb Bates, 1821-04-16, public domain, via Wikimedia Commons; Cuneiform tablet: promissory note for silver, Egibi archive, public domain (CC0), via The Metropolitan Museum of Art.
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