BNPL Notes
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Veteran-Backed BNPL Notes
Purchase complete note ownership - 12.5% interest, 5-year terms, property-secured
Unlocking trapped veteran equity from predatory lenders
12.5%
Interest Rate (18.99% Default)
5yr
Note Term
100%
Property Secured
The Predatory Lender Problem
$850 BILLION
In trapped veteran home equity
Why Veterans Can't Access Their Equity:
Predatory lenders destroyed credit during 2008 crisis. Veterans with $400K+ equity can't qualify for traditional HELOCs due to 620+ score requirements they'll never meet.
Banks require W-2s and paystubs. Veterans on disability income (non-taxable) get rejected despite having $3K+ monthly stable income and zero housing debt.
Desperate for home repairs, veterans turn to predatory lenders charging 18-29% interest with balloon payments, prepayment penalties, and origination fees that consume 30% of loan value upfront.
We originate veteran BNPL at 12.5% (NOT 18-29%), then sell complete note ownership to accredited investors. Veteran gets fair rate. You get property-secured returns. Predatory lenders get nothing.
Your Investment Liberates Veteran Equity
Every note you purchase removes a veteran from predatory lending cycles
Understanding REITF BNPL Note Ownership
You Buy Complete Ownership -
Not a Yield Product
What You're Actually Buying:
FULL NOTE OWNERSHIP
You own the entire promissory note - ALL rights, ALL interest, ALL control
12.5%
Standard Interest Rate
You receive ALL 12.5% - not a portion
18.99%
Default Penalty Rate
Automatically triggers on missed payment
5yr
Default Penalty Rate
Fixed term, monthly payments
How The Transaction Works:
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Call Military OneSource
Veteran needs $20K home repair → REITF approves BNPL at 12.5% for 5 years → Veteran signs promissory note → Property lien recorded
REITF Sells Note to You
You purchase note (typically at discount, e.g., $18K-19K for $20K note) → COMPLETE ownership transfers to you → REITF receives origination fee (2-3%) → REITF exits transaction
You Own Everything
Veteran sends you $449.96/month (on $20K note) → You receive ALL 12.5% interest → If default: Rate increases to 18.99% automatically → You enforce lien if needed → REITF not involved
Critical: YOU Handle All Servicing
When you buy a note, YOU are responsible for:
REITF does NOT service notes sold to investors. We originate, you own. Clean separation.
What You Receive:
ALL 12.5% (or 18.99% if default) goes to you
You are the note holder, veteran owes YOU
Recorded lien on veteran's home (5-6x collateral coverage)
Pre-paid by veteran (covers your lien costs)
Final recourse if veteran won't pay (rarely needed)
Sell note to another investor if you want to exit
Return Projections (12.5% Rate)
Note Face Value
$20,000
Your Purchase Price (5% discount)
$19,000
Interest Rate
12.5%
Term
5 years (60 months)
Monthly Payment (to you)
$449.96
Total Payments Collected
$26,998
Your Total Profit
$7,998
ROI on $19K Investment
42.1%
Example: $20,000 Note Purchase
If Default Occurs:
Rate automatically jumps to 18.99%. Monthly payment increases, veteran motivated to cure. $5K default protection (pre-paid) covers your lien enforcement costs. Property collateral provides 5-6x coverage for full recovery.
Why REITF BNPL Notes?
Property Secured
Every note backed by recorded lien on veteran-owned property. Collateral coverage typically 5-6x loan amount.
Default Protection
$5,000 Default Protection Fee pre-paid by veteran covers lien costs, legal fees, and recovery expenses.
Veteran Backed
Borrowers are honorably discharged veterans with stable income from disability, retirement, or employment.
Transparent Reporting
Monthly performance reports, payment tracking, and portfolio analytics via investor dashboard
Legal Framework
All notes originated under Regulation D framework with full legal documentation and compliance.
Monthly Offering
New BNPL notes available every month. $2M+ in fresh inventory regularly
Choose Your Access Level
ACCREDITED INVESTOR
$5,000
5 Years Upfront (Paid in REITF Coins)
Then $1,000/year after Year 5
Professional Verification Required:
NO self-certification accepted. Must provide verification letter from your Custodian (Equity Trust, IRA Financial, etc.) OR Attorney confirming accredited investor status. Payment is NON-REFUNDABLE.
QUALIFIED INSTITUTIONAL BUYER
$12,500
5 Years Upfront (Paid in REITF Coins)
Then $2,500/year after Year 5
NOTARIZED Verification REQUIRED:
QIB status must be verified by licensed notary. Must manage $100M+ in securities. No exceptions - cannot bypass verification.
Investor Benefits
Treasury Coin Upside
Membership fees paid in REITF Coins provide potential appreciation exposure to ecosystem growth
Asset Security
Property liens recorded, default protection funded, foreclosure rights available as last resort
Predictable Returns
Fixed 12.5% annual yield with known payment schedule over 5-year term
Mission Aligned
Help veterans build generational wealth while earning institutional-grade returns
Membership Application
Questions About Membership?
Contact our investor relations team for assistance with your application