What Every Tier Includes
Every HonestDeed plan — from The Handshake to The Legacy — includes the foundation that makes private lending safe, compliant, and professional.
Legally Reviewed Documentation
Standardized promissory notes, deeds of trust, and UCC filings. Every document structured to be enforceable and IRS-compliant.
Automated Payment Processing
ACH collection on a fixed monthly schedule. No one has to ask, remind, or track manually. Both parties see the ledger.
AFR Rate Compliance
Automatic verification that your interest rate meets or exceeds the current IRS Applicable Federal Rate. No accidental imputed interest.
IRS-Ready Tax Records
Complete payment history with principal/interest split, ready for Schedule B (lender) and Schedule A (borrower) at filing time.
Optional Add-Ons
Enhance any tier with premium services. Available per-transaction or as monthly subscriptions for active lenders.
Safety & Protection
Underwriting & Verification
Marketplace & Discovery
Specialized Arrangements
Secondary Market
What It Looks Like in Practice
Family Car Loan — $25,000
The Handshake tierA parent lends a child $25,000 for a car at AFR (~4.5%). The Handshake tier handles the promissory note, monthly ACH payments, and IRS-ready records.
Seller-Financed Home — $350,000
The Professional tierA retiree seller-finances their home at 7.5% with 20% down. Professional tier handles buyer vetting, Dodd-Frank compliance, payment processing, quarterly monitoring, and financing transparency.
Family Trust Portfolio — 8 Active Notes
The Legacy tierA family office managing 8 intra-family notes across real estate and business loans. Legacy tier includes full AFR/gift-tax protection, audit-proof archiving, and premium underwriting on every transaction.
How HonestDeed Is Different
Traditional Bank
- 1-2% origination fee on every loan
- $400-800 appraisal fees
- PMI at $100-300/mo if <20% down
- 30-60 day closing timeline
- Bank earns the interest, not you
- Rigid terms — take it or leave it
- Denies 45%+ of applicants
HonestDeed
- $49 setup (Handshake) or 0.5% origination (Professional)
- No appraisal required
- No PMI ever
- Close in 7-14 days
- You earn the interest income
- You and the other party set the terms
- Built for people banks turn away
We are not a bank. We are not a lender. We provide the infrastructure — documentation, compliance, payment processing, monitoring, and protection — so you and the other party can transact directly with confidence. The deal is between you. The safety is on us.
Pricing FAQ
"Who pays — the seller or the buyer?"
The setup/origination fee is typically paid by the lender (seller) as a cost of structuring the deal. Monthly servicing is typically paid by the lender from the interest income they receive. Some costs (like CRS credit reports and Deed-Check) can be borrower-paid. All payer assignments are configurable.
"Can I switch tiers later?"
Yes. You can upgrade from Handshake to Professional if your needs grow (e.g., a family loan that becomes a larger real estate deal). The difference in origination and servicing applies going forward.
"Are there any hidden fees?"
No. Your tier price covers documentation, payment processing, and compliance. Add-ons (protection, underwriting, integrations) are clearly priced and entirely optional. There are no per-transaction surprises, no lender junk fees, and no markup on payment processing.
"What's the minimum deal size?"
There is no minimum. The Handshake tier at $49 setup + $5/mo is designed for deals as small as $5,000 (a car, a personal loan). The Professional tier's $295 minimum origination fee makes it most cost-effective above $50K, but there's no hard floor.
"How does financing transparency work?"
Every HonestDeed-serviced note includes quarterly financial health monitoring of your buyer. You receive a clear report on the buyer's financial status every 90 days, plus proactive risk flags if anything changes. This gives you ongoing visibility so you can act early — not after a missed payment.
"What about the Certified Partner program for agents?"
Agents and brokers pay $0. No subscription, no per-deal charge. Your commission is paid at closing from the down payment proceeds — same rate as any deal. More of your deals close because seller financing eliminates SBA denials. Read the Agent's Guide.
Ready to run the numbers?
Use the free Seller Financing Calculator to see monthly income, total return, and tax savings on your specific deal. No account required.