The following Real Estate based example demonstrates three possible ways that a 15 year, 10% interest, $90,000 Note could be sold. The payments currently being received by the Note Holder are $967.14 per month, and there is a principle balance remaining of $84.257.15.

A) Partial Sale - Front End Payments.

Sell the next 5 years of payments (60 payments), then receive the last 96 payments.

Note Holder Receives $104,390.20
($40,653.34 Cash Now +
$63.736.86 Loan Balance in 5 years)

B) Full Sale - Split Funding.

Sell one half of the note (the next 78 payments) now and the other half of the note (the remaining 78 payments) after the first 78 payments are paid.

Note Holder Receives $96,020.94
($48,010.47 Cash Now +
$48.010.47 Cash in 78 months)

C) Partial Sale - One Half of Each Monthly Payment.

Sell one half of each monthly payment and continue to receive the other half.

Note Holder Receives $108,551.64
($33,114.72 Cash Now +
$483.57 Per Month
for 156 Months [$75,436.92])