How do I fund a private debt investment?

Once your STRATA IRA is open and funded, you can direct STRATA to process your investment. For certain investments, such as corporate debt or convertible notes, pre-custody approval is required before submitting investment instructions.

(1) Submit investment direction instructions

To initiate the investment, submit STRATA's Investment Direction – Private Investments form to authorize funds from your STRATA account.

To complete this form, you will be prompted to upload the required supporting documents based on your investment type, such as:

A signed and executed subscription document, note purchase agreement, promissory note, security agreement, or lender’s agreement. After you sign the applicable documents, STRATA will execute them in its capacity as IRA custodian.
Amortization schedule (if applicable): If your investment includes periodic principal and interest payments, please provide an electronic copy of the amortization schedule. If one is not provided, STRATA will convert the schedule to an electronic format, which may result in minor rounding differences.

Timeline

Processing times are approximate and depend on receiving complete documentation in good order and funds are available.

Transactions are typically processed within 2–3 business days after all required documents are received
Transfers or rollovers from another custodian may extend timelines due to third-party processing

(2) Confirm purchase and registration

After funds have been sent for the investment purchase, the final step in the process is for the investment sponsor, issuer, or investor to provide confirmation verifying the asset details and registration to the STRATA account, typically within 30 days:

Submit STRATA's Alternative Investment Purchase Confirmation form and upload the appropriate supporting documentation.
Ensure the investment is properly titled in the name of your STRATA account:

STRATA Trust Company, Custodian
FBO (Accountholder Name), Account (#)
P.O. Box 23149, Waco, TX 76702
Tax ID: 26-2637994

STRATA’s Tax ID must be used in place of your Social Security Number to maintain the tax-advantaged status of your IRA investment.