Overview: First Note Capital is a business-to-business (B2B) private credit provider. This website and any associated materials do not constitute an offer to lend, a commitment to fund, or solicitation for investment. All loan programs are available only to professional investors or commercial entities; we do not provide consumer mortgages or residential "home equity" loans.
Underwriting & Terms: All loans are subject to rigorous underwriting, including verification of the original note, property valuation (ITV/LTV), and "seasoning" status. Rates and terms vary based on asset quality and geography. We currently prioritize notes in Florida, Texas, Arizona, and Georgia.
Tax & Legal Advice: While our structures are designed for tax efficiency under IRS guidelines, First Note Capital is not a law firm or a tax advisory. The "tax-free" nature of hypothecation refers to the treatment of loan proceeds as debt rather than a sale. Note holders must consult with their own tax and legal counsel to confirm how a loan impacts their specific financial situation.
Collateral Notice: Funding is contingent upon the physical possession of the original note and the successful filing of UCC-1 financing statements to perfect our security interest.
Important Disclosure: First Note Capital, LLC provides commercial loans to note holders secured by private mortgage notes. We are not a securities broker-dealer, investment advisor, or bank. We do not offer investment advice or securities. Our lending services are for business purposes only and are not available to consumers for personal, family, or household purposes. All loans are subject to underwriting approval and collateral requirements. The information on this website is for informational purposes only and does not constitute an offer to lend. Consult with your own legal and tax advisors before entering into any transaction.