Service the note you hold —
like a private bank.
Professional loan servicing for seller-financed real estate. Automated monthly payments, buyer-to-seller routing, and a clean ledger — so sellers act like the bank with institutional-grade support.
Payments route directly from buyer to seller via Stripe Connect. Guardian Notes is never in the money flow.
- 01Create noteDefine terms, rate, balloon.
- 02Invite buyerBranded welcome, instant access.
- 03Payments runAutomated ACH on schedule.
- 04Get paidDirect to your bank, every month.
Configure the note. Invite the buyer. Service the loan.
Define the loan
Enter property, sale price, down payment, rate, term, and balloon. We generate the amortization in real time.
Invite your buyer
Buyers receive a branded welcome from your servicer and join as a read-and-pay participant. No terms to enter.
Track every dollar
Confirmed payments post to a permanent ledger with monthly statements and a year-end 1098-style summary.
A ledger your borrower —
and your accountant — will trust.
Every payment, modification, and document is recorded with an immutable timestamp and actor. Buyers cannot alter terms. Sellers cannot edit history. The record stands.
- Unlimited payment processing
- Monthly statements & 1098-style summaries
- Buyer portal & branded invitations
- Balloon date alerts at 90 / 60 / 30 days
- Full audit trail and document vault
Built for modern private financing relationships
Guardian Notes supports private real estate financing from activation through recurring payments and servicing.
Home Sellers
Automate recurring payments and servicing for seller-financed home transactions.
Land Sellers
Manage installment land contracts and recurring payment schedules.
Private Note Holders
Track balances, receive payments, and simplify ongoing servicing.
Real Estate Investors
Manage owner financing and private lending relationships in one platform.
Attorneys & Closing Professionals
Offer clients a modern post-closing servicing experience.
Brokers & Advisors
Stay connected beyond closing with ongoing visibility and servicing support.
Ready to simplify note servicing?
Open an accountEverything needed to service private notes — in one place.
From onboarding through recurring payments and reporting — a single connected workflow for the entire lifecycle of a note.
Payment Automation
ACH payments, autopay, and recurring collections that run on schedule without manual intervention.
Security & Compliance
Bank-level security, encrypted infrastructure, and an immutable audit trail across every action.
- 256-bit encryption at rest
- SOC 2-aligned controls
- Immutable event log
- Role-based access
Buyer & Seller Portals
Separate dashboards with balances, activity, and payment history.
Private Note Servicing
Track balances, delinquency, payoff, and servicing activity.
Direct-to-Seller Payments
Routed securely through Stripe Connect — never custodied.
Reporting & Statements
Payment history, audit trails, and year-end summaries.