Lender & Borrower Guides
Plain-English answers for lending and borrowing situations the standard finance advice never covers. Each guide ends with the right note type for what you are doing.
Lender Guide
Lending Money to Family or Friends
How to make a family loan that does not destroy the relationship: written terms, IRS minimum interest rates, and which note type fits.
Read the guide → Lender Guide
When a Borrower Stops Paying
A step-by-step playbook: demand letter, acceleration, collateral, small claims, statute of limitations. Move fast, in the right order.
Read the guide → Reference
Promissory Note vs IOU vs Loan Agreement
Three documents that look similar but protect you very differently. What each one is, when to use it, and what happens in court.
Read the guide →Need a Promissory Note?
Get a completed, state-specific promissory note in minutes. Required disclosures, usury savings clause, and ready to sign.
Create Your Promissory Note - $7.99 →