What we service.
NoteServ provides administrative loan servicing for private notes and agreements created outside the traditional banking system. We handle payments, statements, and records so you don't have to.
Private agreements across every asset type.
If 2 parties created a private financing arrangement, we can likely service it. Here's what falls within our scope.
Agreements of Sale & Land Contracts
Contracts for deed, installment land contracts, installment sales agreements, and any private real estate agreement where the seller retains title until payment is complete.
Private Promissory Notes
Unsecured or secured promissory notes, business-purpose notes, investor notes, and bridge or short-term private loans between parties.
Personal Loans Between Individuals
Loans between friends, family members, or business associates. Car loans, equipment loans, or any personal promissory note where both parties want structured tracking and a clear payment record.
Auto, Boat & Equipment Notes
Private auto loans, boat financing, ATV notes, and equipment financing agreements between private parties. Any titled or untitled personal property financed privately.
Lease-Options & Lease-Purchase
Lease-option agreements, lease-purchase contracts, and rent-to-own arrangements where structured payment tracking benefits both parties.
Investor Portfolios
Bulk servicing for investors holding 10 to 50+ notes across multiple states. Portfolio pricing available at 15+ active notes. Centralized payment tracking, reporting, and year-end summaries.
What we service and what we don't.
NoteServ focuses exclusively on private agreements. We do not service any loan secured by a recorded mortgage or deed of trust on a primary residence.
What We Service
- Agreements of Sale (AOS) / Land contracts / Contracts for deed
- Installment land contracts and installment sales agreements
- Lease-options and lease-purchase agreements
- Non-mortgage seller financing
- Personal loans between individuals (friend, family, etc.)
- Private auto, boat, ATV, and equipment loans
- Unsecured installment notes and bridge/short-term private loans
- Business-purpose loans and investor notes (non-owner-occupied)
- Portfolios of 10 to 50+ loans / Bulk servicing for land sellers and developers
What We Do NOT Service
- Traditional mortgages / Deeds of trust
- Purchase money mortgages (PMMs)
- Any loan secured by a recorded mortgage or deed of trust
- Owner-occupied home mortgages (consumer primary residence)
- HELOCs and consumer home equity loans
- Reverse mortgages
- Refinanced consumer home loans
What happens after you engage NoteServ.
Every account follows the same structured onboarding process to make sure balances, terms, and payment schedules are correct before the first payment is processed.
Submit your intake
Complete the intake form with agreement details, note terms, and contact information. Upload the promissory note, agreement, or other supporting documents through the secure form. If documents aren't available immediately, they can be provided later.
Account review and onboarding
We review the agreement to confirm the payment schedule, outstanding balance, interest terms, and any impound or escrow requirements. The account is configured in the servicing platform and the borrower portal is set up.
Borrower notification and ACH setup
The borrower receives access to the secure payment portal. If ACH autopay is selected, enrollment is completed before the first payment cycle. Both parties receive confirmation when the account is active.
Ongoing payment processing and reporting
Payments are processed according to the agreement schedule. The note holder receives payment confirmations, and both parties have access to ledger history, statements, and year-end interest summaries. Delinquency monitoring and follow-up are included in Tier 2 and above.
What's included at each level.
Every tier builds on the one before it. Choose based on how much active management the account needs.
| Feature | Tier 1 Basic |
Tier 2 Managed |
Tier 3 Complex |
|---|---|---|---|
| Payment processing | ✓ | ✓ | ✓ |
| Secure borrower portal | ✓ | ✓ | ✓ |
| ACH autopay management | ✓ | ✓ | ✓ |
| Ledger tracking & payment history | ✓ | ✓ | ✓ |
| Monthly statement availability | ✓ | ✓ | ✓ |
| Late payment notices | — | ✓ | ✓ |
| Payment follow-up & communication | — | ✓ | ✓ |
| Delinquency monitoring | — | ✓ | ✓ |
| Impound management | — | — | ✓ |
| Property tax monitoring | — | — | ✓ |
| Insurance tracking | — | — | ✓ |
| HOA monitoring (where applicable) | — | — | ✓ |
View full pricing for monthly rates, onboarding fees, and portfolio discounts.
See which tier fits your agreements.
Compare pricing tiers or start an intake to discuss your servicing needs with our team.