Once you produce such instrument and you want to pay for, say a car. Who do you present the instrument to? When you in a dealership or with a realtor the person that makes the magic happen is the banker. They give you a promissory note for you to sing, they securities the instrument and discounted afterwards for a double dip. But how do you become a private banker to securities your own note. Or are there other methods to having dealership and realtors accept your instruments?