Open Account

Originate new loans or acquire fractional shares of existing loans with your self-directed IRA.

Secure the transaction with collateral as you see fit (you can also leave it unsecured).

Qualify your borrowers to determine interest rates and loan durations.

Self-Directed IRA Loans

Your account is the "lender", but you pull the strings. You decide who can borrow your tax-advantaged retirement dollars, how much interest they'll pay, and for how long the loan will last. You can even secure the note and collect payments on behalf of your account, though any payments you personally accept must be forwarded to New Direction Trust Company for deposit.

The IRS prohibits "sweetheart" loans in an IRA. Debt investments must represent genuine economic transactions (no 0% interest rates) and your borrowers must make at least one payment per year.

Three Simple Steps to a Private Lending IRA

Step 1 Open Your Account - Complete our online application. Your new account will be fully opened within two business days.
Step 2 Fund Your Account - Make a contribution, transfer money from a similar account (Traditional IRA to Traditional IRA), or initiate a rollover from a dissimilar account with the same tax status (401(k) to Traditional IRA).
Step 3 Make Your Investment - Once you and your borrower agree to terms, please entitle any loan and/or security documentation in the name of your account. For example, "NDTCO as custodian FBO John Doe Roth IRA #123XXXX". Upon receipt of correct paperwork, we will issue the specified funds to your borrower.

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