Get institution-ready — and start trading while you do.
The Buyer's Club is how serious investors transact on the FIXnotes marketplace. Mastermind members complete FIXnotes' fast-tracked buyer qualification, sign the Membership Agreement, and make live offers immediately — while building the full vetting package that banks, funds, and credit unions recognize.
How the Buyer's Club works
- 1
Join Mastermind & Sign your Membership Agreement
Complete FIXnotes' fast-tracked buyer qualification and sign the Membership Agreement. That's what earns your provisional buyer status — you can make live offers and close deals on the FIXnotes marketplace right away.
- 2
Trade in the meantime
Cherry-pick individual assets with no $250K minimum, and tap the Insider's Trade Desk — aggregated deal flow from across the industry, inside the member portal. You're transacting on day one.
- 3
Get institution-ready
The Accelerator builds your Portable Vetting Package and Certified Note Professional™ designation — recognized by banks, funds, and credit unions, so sellers everywhere take you seriously.
Explore the Accelerator →
Two sources of deal flow for members
Buyer's Club members don't wait for one listing at a time. Deal flow reaches you through two channels — the public FIXnotes marketplace and the members-only Insider's Trade Desk.
The FIXnotes Marketplace
Curated cherry-pick pools and individual notes from the clients we represent — listed right here on FIXnotes, with new inventory added every month.
- We represent the sellers and handle the full transfer process — contracts, negotiation, and closing — so members transact with confidence.
- Our clients list at least $1M of UPB for member cherry-pick deals every month.
- Provisional buyer status lets you make live offers the moment your Membership Agreement is signed.
- Cherry-pick individual assets — no $250K minimum trade size.
The Insider's Trade Desk
Everything else — deal flow aggregated from across the industry and listed by members, inside the member portal with new opportunities added almost daily.
- Aggregated opportunities from sellers across the secondary market, pulled straight from active buyer-list inboxes and organized for you every day.
- Direct seller contact information — introductions made with no fees or commissions to buyers.
- Member-listed assets: buy non-performing or performing loans from other members raising liquidity on their own portfolios (the buy-modify-sell model in action).
- Off-market deals members source from banks, credit unions, and private lenders using our Mortgage Note Matchmaker training.
Buyers never pay fees or commissions to participate. FIXnotes is compensated by the clients and sellers it represents — giving members another place to buy loans at no added cost.
Need more off-market, exclusive deal flow? Source it yourself.
The best deals never hit a marketplace. NPL Explorer™ is your members-only research engine — built on quarterly FDIC and NCUA call reports — that pinpoints the banks and credit unions sitting on distressed and non-performing loans, so you can reach them before anyone else does.
- Rank every FDIC-insured bank and NCUA credit union by Texas Ratio, nonperforming-loan %, OREO, and charge-off ratio.
- Track 8-quarter trends to spot the institutions whose distress is accelerating — the sellers most motivated to move loans.
- Build watchlists and export your targets, then put your Mortgage Note Matchmaker training to work and approach them direct.
Full NPL Explorer™ access — rankings, 8-quarter trends, watchlists, and CSV exports — is included in your Buyer’s Club membership.
Explore NPL Explorer™ →Built to institutional standards
FIXnotes buyers aren't anonymous. Every Buyer's Club member moves through a structured, FIXnotes-administered qualification framework before they're fully credentialed — so banks, funds, and credit unions know who they're dealing with.
- Entity and EIN verificationBuyers document the acquiring entity and verify its EIN.
- Beneficial-owner disclosureOwnership is disclosed up the chain — no anonymous counterparties.
- Proof of insuranceCoverage is documented before transacting.
- Background screeningBuyers authorize and undergo FIXnotes-administered background screening.
- Servicing and complianceServicing arrangements, licensing, and regulatory disclosures are collected and reviewed.
"Provisional buyer status" is a FIXnotes platform standing while qualification is completed — not a regulatory or accreditation status.
Provisional today, portable tomorrow
Both are real qualification — the difference is reach, not whether you're a serious buyer.
| Dimension | Provisional (on-platform) | Portable (everywhere) |
|---|---|---|
| Where it works | On the FIXnotes marketplace + Insider's Trade Desk | Recognized by banks, funds, and credit unions everywhere |
| When you can transact | Immediately, once your agreement is signed | After completing the full vetting package |
| What it proves | You're a supervised, qualifying FIXnotes buyer | You're a fully credentialed institutional buyer |
| How you earn it | Join Mastermind + sign the Membership Agreement | Complete the Accelerator's 3-tier vetting + CNP™ |
- $71.89M+Top Client Revenue
- $777M+UPB Handled
- 15 YearsIn the Industry
Buyer's Club FAQ
Do I need to be an accredited investor to join the Buyer's Club?
No. The Buyer's Club is not an accredited-investor program, and provisional buyer status is a FIXnotes platform standing — not a regulatory or accreditation designation. You qualify by joining the Mastermind, signing the Membership Agreement, and completing FIXnotes' structured buyer-qualification process.
Can I make offers before I'm fully qualified?
Yes. Mastermind members who sign the Membership Agreement receive provisional buyer status and can submit live offers and close deals on the FIXnotes marketplace while they complete the full vetting package.
What is a portable vetting package?
It's the full buyer-qualification package you build through the Accelerator — entity and ownership documentation, compliance records, and the Certified Note Professional™ designation. It's recognized by institutional sellers like banks, funds, and credit unions, so you can use it across the industry, not just on FIXnotes.
Is there a minimum trade size in the Buyer's Club?
No. Buyer's Club members have no $250K minimum — you can cherry-pick individual assets on the FIXnotes marketplace instead of buying in bulk.
How does FIXnotes qualify buyers?
Through a structured, FIXnotes-administered process covering entity and EIN verification, beneficial-owner disclosure, proof of insurance, servicing and compliance documentation, and background screening that buyers authorize and undergo. The goal is to give sellers confidence that FIXnotes buyers are real, documented counterparties.
Ready to trade like an institution?
Apply to the Mortgage Note Mastermind and join the Buyer's Club. We'll walk you through qualification on a free strategy call.
Apply to join the Buyer's Club