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Although financial institutions may issue them (see below), promissory notes are debt instruments that allow companies and individuals to get financing from a source other than a bank. This source can be an individual or a company willing to carry the note (and provide the financing) under the agreed-upon terms.

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Bryan Rich started his career with Traval in London, a family office macro hedge fund that managed assets for a wealthy European family. He was a partner in a Wall Street alternative investment firm and was a senior trader with Integra Investment Management, a 2005 nominee for Global Macro Hedge Fund of the year.

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