Some Helpful Definitions

Business Notes: A Cash Flow Note is used in a number of areas including small business sales, accounts receivable, automobile and boat sales, and structured settlements like lottery winnings and insurance settlements. Cash flow notes are created any time an individual carries back financing after a sale instead of a bank or traditional lender.

O-Kosmos

A cash flow note is nothing more than a mortgage between two individuals – instead of between an individual and a bank.

How many homes are financed using Cash Flow Notes?


Each year, more cash flow notes are created than sold. Approximately 15 percent of all real estate sales are done with some kind of private financing and 90 percent of small business sales are transacted with cash flow notes. However, 98 percent of the Note Finders and Buyers focus on these newly created notes, which represent only 4.2 percent of the market. The Dalbey Education Institute shows its customers how to focus on notes that are at least 12 months old, a niche which accounts for more than 95 percent of the $350 billion market.

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