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

Private Debt Lending

Discover the Passive Income Potential of Promissory Notes

Are you interested in real estate investing, but not the added work of managing a property? Do you know of a business or fellow investor in need of a loan?

You can use your IRA funds to loan money to real estate investors or others, securing passive income for your tax-advantaged retirement account. Equity Trust’s online investment and payment collection capabilities make the process simple.

Learn more about note investing in an IRA

Request a one-on-one consultation


What Our Clients Are Saying About Self-Directed Note Investing

Quote Icon Review Stars

My last transaction, lending money on a private note was effortless and took minutes.

Alexander, Equity Trust client

Quote Icon Review Stars

I just wish that I would have known about this 10 years earlier than I do. But I’m glad I do it today.

Mark, Equity Trust client

Quote Icon Review Stars

If I loan to other investors at a fixed rate, I have predictability and have agreed upon my yield up front. To me, that doesn’t happen in investing anywhere else.

Greg, Equity Trust client


How a Note Works

Private debt investments allow 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.

  • Mortgage notes
  • Corporate debt
  • Secured and unsecured notes
  • Draw notes
  • Peer-to-peer lending
  • Auto loans

Learn more about note investing in an IRA

Request a one-on-one consultation

Begin a note investment in your Equity Trust account

Log in or Enroll in myEQUITY

myEQUITY: Self-Directed Investing Has Never Been Easier

Equity Trust’s state-of-the-art online account management system is available around the clock, anywhere, on any device.


Learn more about Promissory Notes in an IRA

Get a free guide now!


  • How it works

  • Note investing rules 

  • Account types for investing 

Access Your Self-Directed Note Investing Guide