Two A+ BBB-rated note buyers with different approaches to service
Both NBOA and Seascape Capital are reputable, long-standing note buyers with perfect BBB records. Here's how they compare on speed, guarantees, and technology.
| Factor | NBOA | Seascape Capital |
|---|---|---|
| Founded | 1997 (29+ years) | 2002 (22+ years) |
| Transaction Volume | $50M+ | Not stated |
| Average Close | 21 days (5-day fastest) | 4–5 weeks (~30+ days) |
| Close Rate | 100%* | Not stated |
| Price Guarantee | $500 Better Offer Guarantee | Not stated |
| Re-Trade Policy | No re-trades | Not stated |
| Technology | AI-powered platform | Online form |
| Seller Fees | $0 | $0 |
| BBB Rating | A+ Accredited | A+ Accredited |
| Reviews | 5.0 (10 Google) | 4.9 (14 Birdeye), 27 BBB |
| Business Model | Hybrid (direct + 90 investors) | Hybrid (direct + broker) |
*On deals without title or legal defects. Data from publicly available sources.
NBOA averages 21 days from accepted offer to funded close, with a fastest recorded close of 5 days. Seascape Capital typically closes in 4 to 5 weeks. Their testimonials confirm closings around the 30-day mark, with closing documents provided for review 24 hours before funding.
For sellers who need cash quickly, the roughly two-week difference can be significant — especially when time-sensitive financial decisions are involved.
Neither company charges seller fees — both cover all closing costs including appraisal and title work. NBOA differentiates with its $500 Better Offer Guarantee and strict no re-trade policy.
Seascape Capital does not publicly advertise a price guarantee or re-trade policy. As a smaller operation, Seascape may offer more flexibility in negotiations, but without formal guarantees, sellers carry more risk if market conditions shift during the closing process.
Seascape Capital's strongest differentiator is personal service. Owner Alan Noblitt (MBA, Arizona State) handles transactions directly — you're working with the decision-maker from day one. He holds a California real estate broker license and has maintained zero BBB complaints across 22+ years. For sellers who value a personal relationship, this matters.
NBOA pairs personal service with institutional capability. Their hybrid model includes direct buying power plus a network of 90+ institutional investors, which means your note gets exposed to more capital sources — potentially driving a higher price through competitive tension.
NBOA operates a purpose-built AI platform (NotePilot) that automates document analysis, property valuation, and deal structuring. This enables faster, more consistent pricing and gives sellers a portal to track deal progress.
Seascape Capital uses a standard online form for quote requests — no seller portal or automated valuation tools. The traditional approach works, but it relies entirely on manual review, which can slow turnaround times.
Both NBOA and Seascape Capital are trustworthy note buyers with strong BBB records.
Both are A+ BBB-accredited note buyers. NBOA offers a $500 Better Offer Guarantee, 100% close rate, and AI-powered pricing with a 21-day average close. Seascape Capital provides personal service from owner Alan Noblitt with 22+ years of experience and zero BBB complaints, though closings typically take 4-5 weeks.
Seascape Capital typically closes in 4 to 5 weeks (30+ days). NBOA averages 21 days with a fastest recorded close of 5 days.
No. Neither Seascape Capital nor NBOA charges seller fees. Both companies cover all closing costs including appraisal and title work.
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