Please note: Call center hours expanded to open at 8:00 am EST to better serve our clients.


Easy, Fast Rent & Loan Payments for Tenants, Property Managers, and Borrowers:
Send rental payments or loan repayments to Equity Trust accounts via ACH direct debits using the Online Payment Center.

Generic selectors
Exact matches only
Search in title
Search in content
Search in posts
Search in pages
Filter by Categories
Cryptocurrency Investing
ETC News
Investor Insights Blog
Managing Your Account
Promissory Note Investing
Real Estate
Real Life Examples
Roth IRA
SDIRA Concepts
Small Business Plans
Tax Advantaged Accounts
Tax Insights
Uncategorized

Promissory Notes / Lending

Private debt investments (also known as promissory notes) allow for you to loan money from your self-directed account to a designated borrower (company or individual) through a promissory note. The note is a written and signed “promise” that the borrower will pay a sum of money back to your account by a certain date. The terms of the note determine the repayment schedule, interest rate, and if the note is secured (has collateral that may be eligible to be claimed in the event of default) or unsecured.


Free 15 Minute Guide to Note Investing

GET INSTANT ACCESS

We’ve simplified the process and made it easy for investors like you to quickly initiate investments in Private Debt through the myEQUITY Private Debt Wizard.

Important rules to remember about lending within your qualified account include:

  • You are unable to loan money to a disqualified individual
  • Loans may be secured by an asset, but the asset cannot be a collectible
    • Collectibles include: art, rugs, antiques, gems, stamps, coins, alcoholic beverages, and other tangible personal property
  • Any income earned from the interest or repayment of the loan must return to your account
  • For the complete list of rules please visit IRS.gov

Self-Directed Note Investing Guide

Discover How Note Investing in an IRA Works
This guide uncovers the mechanics of a note investment.

Get Access Now