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hi my name is roger schliter um this video is really on on what is an actual note um i know people sign these and they they dont think a thing of it um anyway what is a promissory note you know is basically what this video is about and um you know basically its a legal document by a party promising a second party to pay a debt um it is a written agreement signed by a party with a promise to pay an amount of money on a date or on demand um its like an iou and whats kind of funny is is there arent as many notes done where its payable on demand but i know years ago it was a pretty normal practice especially with the smaller banks to say you know this is a you know lets say this is a 48 month note um you know that is is going to be paid paid off in the 48 months or on demand and a lot of times they put that or on demand in there and thats why sba when they do a loan when they guarantee a loan for for a bank they wont let them put that demand feature in because the demand feature i