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First Liberty Building and Loan Notes

Earn 8% -13%
with First Liberty Notes

Join Us in Helping Good Small Businesses

become great small businesses, 
and earn a great return along the way!

Start Your Journey

Earn 8% - 13%

Interest Earned on a First Liberty Note

12 Month Term

With 12-month Extension Option

$100 Million

In Loans Funded

interest rate

Do you have $25,000 to $250,000 cash available?
Calendar

Can you participate for 12 months?
ready to earn interest

Are you an accredited investor?

First Liberty Building & Loan

Participating in a First Liberty Note is a smart decision for those looking to support local small businesses, while growing their money at a higher rate than the big banks can offer.

At First Liberty Building & Loan, we understand that small businesses are the backbone of our economy. We have over thirty years of experience in providing creative lending solutions for small businesses, using SBA loans, equipment loans, and short-term bridge loans to meet the needs of our clients. In many cases, a short-term bridge loan that can be funded quickly is of great value to our small business and investor clients, even at higher rates.

Our common-sense approach to lending, along with our ability to close quickly, allows our small business and investor clients to take advantage of value priced opportunities in the marketplace. The higher interest rates they are willing to pay to get their bridge loans funded quickly, allows us to pay higher interest rates to our loan participants. And our years-long practice of making bridge loans only to clients for whom we have already provided a pre-approval for an SBA loan or other lower rate, permanent loan, means that we know how we are going to be repaid on our bridge loan before we fund it.

Reach Out to First Liberty 

Grow Your Wealth While Helping Small Businesses Grow

Start Your Journey

Considering Participating in a First Liberty Note?

 Here are a Few Common Questions Our Clients Ask

What is a First Liberty Note?
A non-FDIC, uninsured loan vehicle that pays a premium interest rate, that allows First Liberty to provide small businesses with short term bridge loans and other commercial capital.
Are you an accredited investor?
An accredited investor is someone who has earned $200K or more for the last two years - $300K if income was earned jointly with a spouse - and reasonably expects to do so for the current year OR, someone who has a net worth of $1M or more, excluding the equity in their primary residence. Participants in First Liberty Notes must be accredited investors.
What are the terms?

12-month note with a 12-month extension option at the discretion of the borrower (ie: First Liberty).

Can I exit early?

The individuals participating in First Liberty Notes can withdraw some or all of their funds once during the term of the loan; they give us 60 days notice of this request and in exchange for this benefit, they forfeit 6 months' interest on the amount of money withdrawn.

Is there risk?

There is clearly risk, as First Liberty Notes are not guaranteed by the FDIC or any other government agency. Participants could lose money.

How long has First Liberty been doing this type of lending?
We have been doing this type of commercial bridge lending since 2013. We have funded over $100,000,000.00 in bridge loans since 2013.
What are the interest rates paid on a First Liberty Note?
  • $25,000 minimum earns 8%
  • $50,000 minimum earns 10%
  • $100,000 minimum earns 12%
  • $250,000 minimum earns 13%
Start Your Journey

What participants are saying about First Liberty

I have known Brant Frost and his family for over 25 years. I was their family pastor for many years in Georgia before going back on the mission field in Latin America. I have participated with First Liberty in their program for over a decade, and have referred other missionaries and retired pastors to them as well. I have always been impressed with their responsiveness to any needs or questions I have had. Brant is a man of character and integrity. He and his team at First Liberty have done a great job for me and my family. I recommend them highly.

- Dr LeRoy Curtis – Founder - Kenya Ministry Training Institute, former senior pastor - Peachtree Christian Fellowship, 50+ career of service as pastor, teacher,missionary, training institute founder, former naval officer, proud grandfather.

Suzanne and I have known Brant Frost and his family for over 30 years. We have participated in many bridge loans with First Liberty, and have always been pleased with the results. We hope to do business with them for many years to come.

- Ralph Hudgens, Former Georgia State Insurance Commissioner, former Georgia State Senator, Business Owner, and Proud Grandfather.

I have known Brant Frost, the founder and president of First Liberty, for over 20 years. I was his very first bridge loan participant. I have participated in over 50 bridge loans with First Liberty over the years, and we have been very satisfied with the results. Brant and his team at First Liberty have become trusted and valued financial partners.

- Randy Bates, Sr. Entrepreneur, Investor, Philanthropist, full-time grandfather. Built and sold a public company that was the 3rd largest in the nation in its industry, with over 2000 locations.

Ready to Fuel the Growth of Main Street Small Businesses?

And Earn a Great Return Along the Way?

Disclaimer

First Liberty Notes are not obligations of, or guaranteed by, any financial institution, and are not secured by any collateral. They are not FDIC insured or guaranteed by any government agency. You could lose money. Purchasers must verify their SEC accredited investor status. First Liberty Notes are not being offered in any jurisdiction in which it is unlawful.