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Private Debt Lending

Discover the Passive Income Potential of Promissory Notes

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


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

Learn More About Self-Directed Private Debt Lending

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