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What we do

  • Mortgage Notes
    Mortgage Notes
    Private Owner Carry-Back Mortgage Notes
    Private Mortgages Notes, or as they are sometimes known, Owner Carry-Back Mortgages, are mortgage-backed promissory notes that are the result of a seller of a single-family home, condominium,multi-family residence or other residential or commercial building, providing some degree of finance to new buyer of the dwelling at the time of closing.  They can be for the full amount of the mortgage on the sale (first position notes)or can be partial (second position notes) behind traditional mortgage lender.
    Cartledge Financial is a buyer of private mortgage notes.  If you are the holder of a private mortgage note receiving monthly or quarterly payments and would like a lump sum of cash for any reason,we can help.  As the owner of a private mortgage note you can ....
    Receive a lump sum of cash for a complete sale of your note.
    Sell a percentage (such as one half) of your note.
    Sell a specified number of monthly payments.
    Sell your balloon payment (if applicable).
    Any combination of the above.
    Attention!  Real Estate Professionals and FSBO sellers.
    While owner carry-back mortgages can often provide a catalyst to get the deal done, many sellers are reluctant to hold mortgage paper for lengthy periods of time.  Before you structure your deal, contact us regarding how to make your private mortgage attractive for resale at a later date if necessary.
    No Obligation Confidential Quote
    You can receive a "no obligation" confidential quote on your private carry-back mortgage note from Cartledge Financial simply completing our mortgage note request form.  A representative will contact you within 24 hours to begin processing your request.
    "Your firm came highly recommended and I am proud to say that my appointed analyst more than exceeded my expectations. Keep up the good work"                                                                                               Eric- Brookfield, Wisconsin

    Private Mortgages Notes, or as they are sometimes known, Owner Carry-Back Mortgages, are mortgage-backed promissory notes that are the result of a seller of a single-family home, condominium,multi-family residence or other residential or commercial building, providing some degree of finance to new buyer of the dwelling at the time of closing.  They can be for the full amount of the mortgage on the sale (first position notes)or can be partial (second position notes) behind traditional mortgage lender.

    Read more...
  • Business Notes
    Business Notes Private Owner Financed Business Notes are promissory notes held by a seller of a business and payable by a new owner. Often,owner financed business notes are the result of one business partner buying out another.  At Cartledge Financial, we can provide holders of promissory notes secured by the assets of a business with lump-sum cash which can be used for ....
    • The Purchase of a new business.
    • Attractive investment opportunities.
    Read more...
  • Commercial Finance
    Commercial Finance
    Commercial Finance Solutions
    If you are one of America's 23 million small business owners and require working capital for daily operations, we can help.  At Cartledge Financial, we are experts in the small business finance areas of...
    FACTORING....  Most powerful commercial finance tool available to small and mid-size business owners.  Factoring provides a company with immediate cash advances upon invoices that you normally would wait 30, 45, even 60 or 90 days to collect.  Factoring allows your company to seek business from large, creditworthy customers that demand extended terms of payment when you perform work or deliver products.  Because your credit history is of a secondary nature to factors, this financing tool is the method of choice for young, start up companies unable to obtain lines of credit from banks and more traditional leaders.
    INVENTORY FINANCE....often working hand in hand with Accounts Receivable factoring, Cartledge Financial maintains a database of ready lenders for small business inventories.
    ASSET-BASED LENDING.... for larger companies with extensive credit histories, asset-based lending (revolving lines of credit against inventory and accounts receivable) can provide capital solutions for working capital and growth.
    EXPORT IMPORT TRADE FINANCE .....becoming more important small business owners now exploring the competitive advantages of overseas contract manufacturing, Cartledge Financial can provide expert solutions in the areas of purchase order finance, international factoring, and trade finance.
    No Obligation Confidential Quote
    You can receive a "no obligation" confidential proposal (terms and conditions) regarding the structure and rates of our lending services by simply completing our Commercial Finance Request Quote Form.  A representative will contact you within 24 hours to begin processing your request
    We will match or beat All competitors
    ... ignore the rest and work with the best.
    SATISFACTION GUARANTEED!
    .
    GET CASH NOW!!!

    If you are one of America's 23 million small business owners and require working capital for daily operations, we can help.  At Cartledge Financial, we are experts in the small business finance areas of...

    • FACTORING
    • INVENTORY FINANCE
    • ASSET-BASED LENDING
    • EXPORT IMPORT TRADE FINANCE 
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  • Structured Settlements
    Structured Settlements
    Court Awarded Structured Settlements and Annuities
    Court Awarded Structured Settlements and Annuities are income streams paid by life insurance company to compensate injured individual as a result of a personal injury lawsuit, medical malpractice suit, wrongful death suits or any other type of liability settlement.  As a result of injury or wrongful death, plaintiffs are commonly awarded very large settlements rather than receiving the settlement in a lump sum, however, the injured party most commonly receives the money as monthly installments in the form of an annuity.
    At Cartledge Financial, we can provide holders of structured settlements with installments payable by insurance companies with a lump sum of cash to be used for...
    The purchase of equipment for a new business.
    Uninsured medical bills.
    Education and retraining.
    Medical emergencies.
    Purchase of a new home or vacation property.
    Specialized are handicapped equipped vehicles.
    No Obligation Confidential Quote
    You can receive a "no obligation" confidential quote on your Structured Settlement or Annuity from Cartledge Financial simply completing our Structured Settlement / Annuity Request Form.  A representative will contact you within 24 hours to begin processing your request.
    Testimonials
    "One of my biggest fears was that I would not be around to enjoy my court settlement.  However, thanks to Cartledge Financial I was able to pay off my house, debts and secure my grandchildrens  academic future"
    Thanks A million, Janice Davenport - Ohio
    " ...Stellar customer service and lovin' the $500 bonus.
    E. Barnes- NV
    " Kudos for a premium experience and for getting my cash fast"
    Ben H- Montecito, CA

    Court Awarded Structured Settlements and Annuities are income streams paid by life insurance company to compensate injured individual as a result of a personal injury lawsuit, medical malpractice suit, wrongful death suits or any other type of liability settlement.  As a result of injury or wrongful death, plaintiffs are commonly awarded very large settlements rather than....

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  • Senior Life Settlement
    Senior Life Settlement
    Senior Life Settlements
    A Senior Life Settlement or Life Settlement involves the sale of an existing life insurance policy to which the funds generated are greater than the policy's cash surrender value.  Senior Life Settlements are often attractive when your original financial planning needs have changed and the continued insurance premiums are burdensome.
    If you are the owner of a significant insurance policy, and rather than a death benefit, would prefer a lump sum of cash, we can help.  Your cash settlement can be used for....
    Educating your grandchildren.
    An exotic trip or vacation.
    Uninsured medical expenses or treatments.
    A vacation or retirement home.
    Other unforeseen emergencies.
    Purchasing Parameters
    Your actuarial life expectancy must be 3-10 without a life threatening illness.
    You must be at least 65 years of age.
    Your policy must have a minimum face value of 250,000.
    Your policy must be one of the following types from a U. S.-Based "A" rated carrier.
    Whole life
    Universal life
    Variable universal life
    Term
    Convertible term
    No Obligation Confidential Quote
    You can receive a "no obligation" confidential quote regarding a lump sum settlement on your insurance policy from Cartledge Financial. Simply completing our Senior Life Policy Request Form.  A representative will contact you within 24 hours to begin processing your request.
    "... thank you for enabling us to live out our golden years with style and great dignity"
    -Bea and Alphonse, Arizona
    " First, I want to thank my personal analyst Darren for making this process easy and painless. I had tried to use some of the bigger firms advertised on television. To find that I was a mere number and the quotes they gave me,well lets just say they weren't up to par. So, thanks to the team at Cartledge Financial for delivering on your mission statement of beating all competitors quotes. Keep up the good work. "
    -Delores Aucklund

    A Senior Life Settlement or Life Settlement involves the sale of an existing life insurance policy to which the funds generated are greater than the policy's cash surrender value.  Senior Life Settlements are often attractive when your original financial planning needs have changed and the continued insurance premiums are burdensome.

    If you are the owner of a significant insurance policy, and rather than .... 

    Read more...
  • Lotteries/ Annuities
    Lotteries/ Annuities
    Lottery Winnings and Gaming Awards
    If you're the winner of a state-sponsored lottery or if you have been fortunate to have won casino jackpot payable in monthly installments and you prefer a lump sum cash payment, Cartledge Financial can help.  As the winner, you can receive annuity payments for a lottery or gaming jackpot.
    You can ....
    Receive a lump sum of cash for complete sale of your annuity or payment stream.
    Sell a percentage only of your payment stream.
    Sell a specified number of monthly payments.
    Any combination of the above.
    Cartledge Financial can assist you in quickly obtaining annuity payments in a lump sum cash settlement for your lottery arguments on the which can be used for .....
    Educational expenses and tuition.
    Attractive business opportunities.
    Alternative investment vehicles.
    Purchase of a new home.
    Estate planning and distributions.
    Dream vacations and exotic travel.
    No Obligation Confidential Quote
    You can receive a "no obligation" confidential quote on your annuity payments regarding a lump-sum settlement on your lottery or gaming award from Cartledge Financial simply by completing our Lottery / Annuity Quote Form.  A representative will contact you within 24 hours to begin processing your request.
    I really appreciate the one stop shopping on your website. I simply submitted the necessary information, waited for a quote and got my check in 2 weeks. This process was a lot easier than I'd ever expected and excellent customer service.
    -Will B from St. Charles
    " In these difficult economic times, I think it is crucial that business' stick with their brand or business motto. Cartledge Financial has more than exceeded my expectations of doing "good" business". Great work guys!
    -AK. Queens, NY
    If you're the winner of a state-sponsored lottery or if you have been fortunate to have won casino jackpot payable in monthly installments and you prefer a lump sum cash payment, Cartledge Financial can help.  As the winner, you can receive annuity payments for a lottery or gaming jackpot.
    You can ....
    • Receive a lump sum of cash for complete sale of your annuity or payment stream.
    Read more...

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