A partial sale lets you get cash now while keeping some future payments.
How Each Works
Full Sale: Sell entire note for maximum lump sum. Clean exit.
Partial Sale: Sell first X payments, keep the rest. Example: Sell 60 of 120 payments, payments revert to you after 5 years.
Comparing Proceeds ($60,000 note)
Full: ~$48,000 now, nothing later
Partial (60 payments): ~$28,000 now + $36,000 later (if borrower keeps paying)
When Full Makes Sense
Maximum cash needed, want completely out, concern about borrower reliability, acceptable discount, life transitions like divorce.
When Partial Makes Sense
Need some cash (not all), full discount feels steep, want future income, trust borrower long-term.
Not sure which? We quote both. Call Sandy at (512) 861-0000 or request quotes.
Partial Sale Mechanics
We collect during our period, then assign back remaining interest.
Considerations
Partial often lower discount rate but smaller lump sum. Future risk remains with you. Tax implications differ. See detailed partial guide.
FAQ
Can any note be sold partially? Most can.
Is discount lower for partial? Often yes, because buyer gets money back faster.
Get Both Quotes
Call (512) 861-0000 or submit details. Request both full and partial options. See valuation guide and process.