Commercial Notes
Sell Your Commercial Note for Cash
If you hold a commercial note and receive monthly payments from a borrower, you may not have to wait years to collect the remaining balance. American Equity Funding purchases commercial notes nationwide and can help you convert future payments into a lump sum of cash.
Since 1989, we have helped note holders unlock the value of seller-financed commercial real estate transactions. Whether your note is secured by an office building, retail center, apartment complex, warehouse, or commercial land, our experienced team can provide a free, no-obligation quote.
What Is a Commercial Note?
A commercial note is a loan secured by commercial real estate. In many seller-financed transactions, the property owner acts as the lender and receives monthly payments directly from the buyer.
Commercial notes are commonly created when a seller finances the sale of:
- Office buildings
- Retail properties
- Shopping centers
- Warehouses
- Apartment buildings
- Mixed-use developments
- Industrial facilities
- Commercial land
These notes can become valuable assets that generate income over time. However, many note holders eventually decide that receiving cash today better supports their financial goals.
Why Sell a Commercial Note?
There are many reasons commercial note holders choose to sell.
Common motivations include:
- Retirement planning
- Portfolio diversification
- New investment opportunities
- Business expansion
- Debt reduction
- Estate planning
- Capital improvements
- Increased financial flexibility
Selling a commercial note can provide immediate access to capital while eliminating the risks associated with future payments.
Types of Commercial Notes We Buy
American Equity Funding purchases commercial notes secured by a wide variety of income-producing properties.
Office Properties
We purchase notes secured by:
- Professional office buildings
- Medical office buildings
- Executive office suites
- Business parks
Retail Properties
We purchase notes secured by:
- Strip centers
- Shopping centers
- Retail stores
- Restaurants
- Convenience stores
Multi-Family Properties
We purchase notes secured by:
- Apartment complexes
- Multi-family housing
- Mixed-use developments
Industrial Properties
We purchase notes secured by:
- Warehouses
- Distribution centers
- Manufacturing facilities
- Storage properties
Commercial Land
We purchase notes secured by:
- Development land
- Commercial lots
- Investment property
- Future-use commercial acreage
If your property type is not listed, contact us. We evaluate each opportunity individually.
How Much Is My Commercial Note Worth?
Several factors affect the value of a commercial note.
These include:
- Remaining loan balance
- Interest rate
- Monthly payment amount
- Borrower’s payment history
- Borrower’s financial strength
- Property value
- Equity position
- Down payment originally received
- Remaining term of the loan
Because commercial transactions are unique, each note is evaluated individually to determine its market value.
Can I Sell Part of My Commercial Note?
Yes.
Many note holders choose a partial note sale, allowing them to receive cash now while retaining future payments after the purchased portion has been collected.
This option can provide liquidity while preserving future income.
Performing and Non-Performing Commercial Notes
American Equity Funding reviews both performing and non-performing commercial notes.
Performing Commercial Notes
A performing note is one where the borrower is making payments according to the terms of the agreement.
Non-Performing Commercial Notes
A non-performing note involves missed or late payments. While these notes may require additional review, we regularly evaluate non-performing commercial notes and can discuss available options.
Why Choose American Equity Funding?
Since 1989, American Equity Funding has been helping note holders convert future payments into immediate cash.
When you work with us, you’ll benefit from:
- More than 10,000 notes purchased
- Nationwide service
- A+ Better Business Bureau rating
- Experienced commercial note buyers
- Fast closings
- Personalized customer service
- No-obligation quotes
Our goal is to make the selling process straightforward, transparent, and efficient.
Frequently Asked Questions
What is a commercial note?
A commercial note is a loan secured by commercial real estate that generates a stream of future payments to the lender.
Do you buy commercial notes nationwide?
Yes. We purchase commercial notes throughout the United States.
Can I sell only part of my commercial note?
In many situations, yes. Partial note sales are available.
Do you buy non-performing commercial notes?
Yes. We review both performing and non-performing commercial notes.
How long does the process take?
Many transactions close within a few weeks, depending on documentation and title requirements.
Is there a fee for a quote?
No. Quotes are free and carry no obligation.
Request a Free Commercial Note Quote
If you receive payments from a commercial note and would like to explore your options, contact American Equity Funding today.
Our experienced team will review your note and provide a free, no-obligation quote so you can determine whether selling all or part of your commercial note makes sense for your financial goals.