Seller financing,
made safe.
You and your buyer transact directly. We provide buyer vetting, IRS-compliant documentation, and ongoing financial transparency — so the deal goes right.
No bank needed. No finance degree required. Free 2-minute assessment.
Deal Summary
Home sale · Seller financed
What are you financing?
Seller financing works across every asset class — and HonestDeed makes it safe for all of them.
Small Business
Your business is worth more than a bank will let someone pay.
Calculate your business sale incomeYour Home
Your home built your life. Don't let a reverse mortgage take it from your children.
See what your home equity could earnReal Estate Deals
Stop watching deals die. Start offering seller financing.
See how seller financing saves your dealsEquipment
Offer in-house financing to buyers banks turn away. You keep the interest income.
Calculate your equipment dealDigital Assets
Your SaaS business has value. Now it has a buyer pool.
Calculate your digital asset dealSeller financing is the oldest form of credit. It just never had the right infrastructure.
Before banks dominated real estate, most property was sold directly between people. Today, 70-85% of small business sales still use seller financing — because banks simply won't lend on most business transactions.
The same is true for land (57-70% of applications declined), equipment (25% denied), and digital businesses (no lending at all). Every year, $150-250 billion in transactions stall — not because the deals don't make sense, but because there was no safe, standardized way to do them without a bank.
That's the problem HonestDeed was built to solve.
We give sellers and buyers the tools, protections, and compliance documentation to transact directly — with confidence.
The safety infrastructure that makes seller financing work.
Financing that works for real people.
Seller financing lets sellers and buyers agree on terms that make sense for both sides — without waiting for a bank to decide. You set the price, the rate, the term. Your buyer makes monthly payments directly to you.
Works for: Homes, small businesses, land, commercial real estate, equipment, digital assets.
See how seller financing worksHonest is in the name for a reason.
Seller financing between people only works when both sides feel protected. HonestDeed provides the safety layer:
- Buyer vetting — identity verification and financial health checks before you sign
- Buyer financial health monitoring — track your buyer's financial health through the life of the note
- Financing transparency — quarterly buyer financial health updates so you always know where things stand
- Standardized, legally reviewed deal structures — no DIY contracts, no legal risk
Your capital should never be trapped.
The most common objection to seller financing is: "But I need my money now."
HonestDeed solves this two ways:
At closing: Receive your down payment plus up to 20% of your outstanding note balance upfront.
After closing: List your performing note on our secondary marketplace. Note investors — including SDIRA accounts — can purchase your note, freeing your capital when you need it. (Marketplace launching soon — join the waitlist.)
Join the note investor waitlistHow seller financing works on HonestDeed.
Describe your asset
Tell us about your asset — type, price, and what terms you have in mind. HonestDeed guides you through every decision with sensible defaults and plain-language explanations.
We vet the buyer
Before you commit to anything, we verify the buyer's identity, assess their financial health, and share a complete buyer profile with you. Full transparency.
Review and sign
We prepare IRS-compliant documentation — promissory note, deed of trust or UCC filing, required disclosures — so both sides are legally protected.
Collect payments with full visibility
Your buyer makes monthly payments directly to you through the platform. We monitor their financial health quarterly and share transparent updates — so you're never in the dark about your investment.
Stay flexible
Need cash later? List your performing note on our secondary marketplace, or take a partial advance. Your capital is never locked in.
What early users are saying.
"I was about to list my home the traditional way when my CPA mentioned the capital gains hit. HonestDeed showed me I could spread that over 15 years and earn interest on top. I'm netting $140K more than a cash sale."
"Three deals fell through last year because buyers couldn't get SBA loans. Now I offer seller financing through HonestDeed on every listing. Two of those same buyers came back and closed."
"We sell $2M+ in used equipment annually. Offering in-house financing through HonestDeed turned buyers we were losing into monthly revenue streams. Closed 40% more deals in Q1."
Not sure if seller financing is right for you?
Answer 6 quick questions tailored to your situation. Get a personalized fit score, tax-saving strategies, and clear next steps — in under 2 minutes.
Common questions about seller financing.
Every buyer goes through identity verification and a financial health assessment before you commit. After closing, HonestDeed provides quarterly financial health updates — so you have ongoing visibility into your buyer's ability to pay. You're never guessing.
Yes — and it is IRS-recognized. HonestDeed provides standardized, legally reviewed deal structures and IRS-compliant documentation for every transaction. We handle Dodd-Frank compliance, TILA disclosures, and applicable federal rate (AFR) requirements.
Pricing starts at $49 for personal deals (neighbors, family, friends). Professional investors and dealers pay 0.5% origination (minimum $295) plus $25/month per note. Enterprise and family trust pricing is available.
In comparison: Attorney-drafted seller finance agreements cost $500-$2,000. Bank closing costs run 2-5% of deal value. HonestDeed costs a fraction of either.
No. HonestDeed guides you through every decision — deal structure, down payment, interest rate, term length — with defaults built on industry standards. If you can describe your asset and name your price, we handle the rest.
Homes, residential investment properties, commercial real estate, small businesses, land, farm and agricultural land, equipment, vehicles, and digital assets including SaaS businesses, content sites, and e-commerce stores.
Built so people can transact directly — with confidence.
Seller financing has always been legal, IRS-recognized, and common. What it never had was the right infrastructure — the buyer vetting, the compliance documentation, the payment monitoring, the ongoing financial transparency.
HonestDeed provides that infrastructure. We don't lend money. We don't take a side in your transaction. We give both the seller and the buyer the tools, protections, and guidance they need to do business directly — the way people have always wanted to, but couldn't do safely on their own.
Banking between humans. Made safe.
See what seller financing looks like for your situation.
Tell us a little about yourself and we'll send you everything you need to understand how seller financing works for your asset type — no commitment, no account required.
Takes 2 minutes. No account required.