You have something worth real money: a house, a piece of land, a car, a trailer, a tractor, a shop full of equipment. Plenty of people want it. Far fewer can hand you the whole amount on Friday. You could let them pay you monthly — and you probably already decided not to, for one very good reason.
A 2018 BMW 530e, 120,000 miles, very clean. Watch what happens to its price depending on who is buying.
Most won’t take it at all. The ones who do pay under $3,500 — and it is gone by Friday.
The same car on a used-car lot is tagged $13,500 or more. The dealer keeps the difference — because the dealer can offer payments.
You won’t go below $12,000, and rightly so. But it has to be cash, and very few buyers have $12,000 in cash. So the car sits — for months.
$3,500 down and $450 a month for 24 months. A price you set yourself, fixed the day it is signed. It reaches the buyers who can pay monthly but cannot pay all at once — and the difference between the cash price and the postponed price is yours, not the dealer’s and not ours.
The reason you never did this before is trust: a stranger, a hand-written note, and two years of chasing. That is not your job here. The buyer confirms who he is before he can even make you an offer; we carry the offer, the counter-offer and the yes between you; and then a licensed professional in your state — a dealer for a vehicle, an escrow or title office for a home or land, a broker for a business — closes the deal, writes the contract, records your claim on the item and runs the collection with receipts. You set the price. You keep every payment. Nothing about the amount is calculated for you: you choose the down payment, the monthly amount and the months, and that number never changes.
It is not only cars. A house you would carry yourself if you trusted the buyer. Land. A business. Equipment. Anything with a high price tag and a small pool of cash buyers has this exact problem — and this exact answer.
A home you own outright, worth $300,000 to a cash buyer. Cash buyers for a $300,000 home are rare; families who can pay every month for fifteen years are not.
$30,000 down and $1,500 a month for 15 years. The buyer pays exactly your price, spread over the years you choose, and your listing carries the words every family is looking for: same as cash. You are paid every month for fifteen years by a family that could never have handed you $300,000 on a Friday.
$30,000 down and $1,833 a month for 15 years. One price, above your cash price, agreed once for fifteen years and never worked out again. The $60,000 between the cash price and the postponed price is yours — the price of your patience, and nobody else’s.
That is the real reason most people never offer monthly payments. Not the price. Not the buyer. The fear of becoming a collections department in your own kitchen — writing the contract yourself off the internet, hoping it holds, sending awkward texts on the 5th of the month, and finding out too late that nothing was ever properly filed in your name.
That whole job is what we do. You sell the item and set the price. We do the paperwork, the collecting and the filing — and the payments belong to you the entire time.
Said exactly, because a platform that pretends to be your dealer, your escrow and your lawyer at once is a platform you should not trust.
An item that can be paid for monthly reaches people a cash-only listing never touches: the ones who can pay every month but cannot pay all at once. That is a much larger pool of buyers looking at the same item — which is usually the difference between waiting six months for a cash buyer and selling at the price you asked.
Nobody can send you an offer until he has confirmed his email by a code and given his name and phone. So every offer that reaches you comes from a real, reachable person — not a pseudonym. The deeper checks a closing requires — identity documents, ability to pay, the screening the law asks for — are done by the licensed professional who closes, under his own licence, as they are in any dealership or escrow.
The buyer proposes a down payment and a monthly amount; you accept, decline, or name your own shape; when the two of you agree, that agreement in principle is recorded and handed on. No haggling by text, no hand-written notes, and nothing is signed on this page.
The agreed deal goes to a professional licensed for your kind of asset in your state — a dealer for a vehicle, an escrow or title office for a home or land, a broker or attorney for a business. He writes the contract and the payment schedule, records your claim on the item until it is paid for (the lien on a title, the deed of trust or land contract, the UCC-1 on equipment), prepares the disclosures, and runs the monthly collection with receipts, so you never have to ask a grown adult where your money is.
The payments are yours. Every one of them. qardon.com is the neutral platform where the opportunity is made — it is not a lender, it is not a guarantor, it does not close the deal itself, and it never owns your payments or buys them from you. Your schedule, your balance and your claim on the item are yours, held by the professional who closed your deal, and you can see where you stand any day of the week.
qardon.com does the work; qardon.org stands behind it. A seller can have a verified deal backed by qardon.org — where a buyer is struck by hardship and an installment is missed, qardon.org’s Recovery Fund can step in and make it as its capacity allows, while working with the buyer humanely rather than through a collections agency. That backing lives on the qardon.org side, is decided case by case, and is never sold as a policy — it is a community standing with both of you. Your collection, your schedule and your records stay right here either way.
You make this decision once, before anything is signed, and it is written into the agreement exactly as you chose it.
| Carry it at your cash price | Set one higher price for buying over time | Take your cash price now and step out | |
|---|---|---|---|
| What you receive | Your full cash price, paid to you monthly across a term you set. | One price you set yourself, above your cash price, paid to you monthly across a term you set. | Your full cash price at closing, in one payment. |
| Who waits for the money | You do — and you ask nothing extra for waiting. | You do — and the higher price is what you asked for waiting. | Nobody, on your side. You are paid, and the community fund carries the monthly payments from there. |
| What the buyer sees | Your cash price, the same figure as the monthly total, and the badge 0% — Same as cash price | Both prices side by side — the cash price and the price for buying over time — plus the term and every date and amount in the schedule. | An item they can buy over time, with the fund as the seller of record. Your name comes off the payments entirely. |
| What you decide | A term in months. | A term in months, and one fixed price above your cash price. | Nothing beyond your cash price — no second price, no term. |
| Best when | You want the strongest possible listing and you can wait for the money. | You are willing to wait, and you want to be compensated for waiting. | You need your money now and would rather not hold paperwork at all. |
If you set a higher price for buying over time, that is one number, agreed once, for a stated term. It is not worked out again month by month. It does not climb if your buyer pays late — late payments are handled through a separate, capped, written process, and the amount owed stays exactly the amount owed. Your buyer knows their total on the day they sign, and so do you.
Said plainly, because this is the part people expect to be buried.
The buyer pays no platform fee. Nothing is added to their monthly amount by us, and we take no cut of the payments that flow to you. What they signed is what they pay.
You pay nothing to list here. Our share of a deal is paid by the licensed professional who closes it, out of his own fee — and his fee, like everything else, is in writing before you sign anything. Nothing is deducted from your payments, ever.
Every buyer confirms his email, name and phone before he can make you an offer. The checks a closing requires are the closing professional’s, under his own licence; you see the result, never anyone’s private file.
What it is, where it is, and the cash price you want. Photos help; a perfect description does not matter, because we draft that with you.
Carry at your cash price, set one higher price for buying over time, or take your cash price now and step out. Change your mind before you sign, not after.
When you and the buyer have said yes, the deal is handed to a professional licensed for your kind of asset in your state. He prepares the agreement, the schedule and the security document, records it, and takes over the collection.
The professional collects; you watch a balance go down instead of sending texts. If your buyer hits real trouble, it is worked out through a written process — no harassment, and no surprise additions to what is owed.
If a buyer sent you a request through us, your invitation link opens your own page: the item, the three ways to sell, and a place to record your decision.
Dealers, builders and manufacturers have their own track — bulk terms across inventory, an inventory feed, a dashboard, and a calculator for setting the price of an item when it is bought over time.
Nothing is committed by starting. You can see the whole agreement, the schedule and the fee in writing before you sign a single line.
The amount owed stays what it was — nothing is ever added to it. We contact your buyer inside the hours the agreement allows, offer the hardship path, and give them the cure period written into your agreement. If it still cannot be resolved, the remedy is the one in your agreement for that kind of asset, taken in the proper order, with the security document we filed for you at the start. That document existing, correctly and on time, is most of what protects you here.
No. That is the habit this replaces. Sellers discount out of fear of the paperwork and the collecting; when someone else does both, there is nothing to discount for. You can carry at exactly your cash price, or set one higher price for buying over time. Either way, you set the number.
It depends on the asset and on the instrument used, and that is spelled out in your agreement before you sign — a lien on a vehicle title, a land contract or a deed of trust on property, a UCC-1 filing on equipment. What is constant is that your claim on the item is recorded properly, in your name, by us, at the start, rather than remembered later.
Neither. Qardon.com is the marketplace and the service provider. It is not a lender, not a guarantor, and it never owns the payments. Your buyer's payments are yours. The one exception is the third choice above, where the community fund pays you your cash price at closing and becomes the seller of record itself — and in that case you are out entirely, by your own election.
The platform handles homes, land, mobile homes, cars and trucks, equipment, RVs and boats, jewelry and watches, and business assets. Each category has its own security document and its own filing steps, which is exactly why we do that part rather than leaving you to guess. Tell us what you have and we will say plainly whether we cover it yet — “not yet” is an answer we are willing to give.