Due to Covid-19 related USPS mail delays of our client statements, late fees for non-payment of Annual Maintenance Fees will not be assessed until Apr. 30th (extended from Mar. 16th) – Learn More

Delivery of our client statements and payments have been impacted due to COVID-19 related USPS mail delays.

In response, Equity Trust has pushed out the date for assessments of late fees for non-payment of Annual Maintenance Fees from March 16th to April 30th. (Due date for the 2020 AMF invoice was Wednesday, March 3, 2021.)

  • Equity Trust is encouraging clients to use electronic methods for depositing and delivery of payments: Rental/Note Payments can be submitted using our Online Payment Center.
  • Request purchase funds, bill payments, and distributions using Wire or ACH payment methods through myEQUITY Wizards.
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Private Debt Lending

Promissory Notes, Peer-to-Peer Lending, and Private Debt Investing Within a Self-Directed IRA

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.

If you want to get started with self-directed promissory notes or peer-to-peer lending but don’t have an investment identified, browse investment opportunities in our Investment District online marketplace.

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 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
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© 2021 Equity Trust. All Rights Reserved.

Equity Trust Company
1 Equity Way
Westlake, OH 44145

Equity Trust Company is a directed custodian and does not provide tax, legal or investment advice. Any information communicated by Equity Trust Company is for educational purposes only, and should not be construed as tax, legal or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional. Equity Institutional services institutional clients of Equity Trust Company. Brokerage Services Available Through ETC Brokerage Services, Member SIPC, and FINRA. *Founded in 1974 | Self-Directed IRA Custodian since 1983. The predecessor business to Equity Trust Company was established in 1974 and the IRS approved as a custodian in 1983. **Assets under custody as of 12/31/20.

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