Frequently asked questions.

No. NoteCarry is software — a record-keeping and payment facilitation tool. We are not a licensed loan servicer, escrow company, or financial institution. We help you manage your note, but all legal responsibilities remain between you and your borrower.

Never. Payments go directly from borrower to lender through Stripe's secure payment network. NoteCarry never holds, touches, or has access to your funds.

Yes. NoteCarry never stores your bank account or card numbers. All payment data is handled by Stripe, which is PCI-DSS Level 1 certified — the highest level of payment security available.

Our AI extracts loan terms from your uploaded documents and presents them for your review. You confirm or correct every field before anything is saved. The AI is a time-saver, not an autopilot — you stay in control.

NoteCarry sends automated reminders before and after the due date, applies late fees per your contract terms, and escalates notifications as the loan becomes more past due. If the loan goes into default, NoteCarry flags it clearly and tracks what is owed — but enforcement and legal action are the lender's responsibility outside the platform.

No. NoteCarry is a tool for individual real estate investors managing their own seller-financed notes. You are responsible for ensuring your loan complies with your state's laws. We recommend consulting a real estate attorney when structuring your note.

All 50 US states. NoteCarry does not provide legal advice and does not guarantee compliance with state-specific laws — that's between you and your attorney.

Yes. Borrowers can make extra principal payments at any time. NoteCarry automatically recalculates the remaining schedule and updates the projected payoff date — same monthly payment, shorter term.

Yes — as many as you have. Each loan has its own tab in your dashboard with a progress bar, payment history, and documents. Pricing is $20/mo per loan.

With autopay, NoteCarry automatically initiates the ACH payment on the due date — your borrower sets it up once and never thinks about it again. With manual pay, the borrower logs in each month and submits the payment themselves.

Yes. NoteCarry supports both roles under a single login. Toggle between your lender and borrower views in the top navigation — similar to how Airbnb lets you switch between hosting and staying.

Yes — your first month on each loan is free. No credit card required to get started.

If you're unsatisfied within the first 30 days, contact us and we'll make it right.