16526 W 78th St, Suite 169
Eden Prairie, MN 55346


Alternative Investing for Minnesota Residents

SaverNotes was founded in 2013 on the premise of finding a better way for Minnesota investors to grow their money in this volatile market. Since investing is such a personal decision, our experts can help tailor a strategy based on your individual goals, financial objectives, and tolerance for risk. Our notes provide a higher fixed rate of return and interest paid quarterly compared to equities, government bonds, or bank CDs. Maturity dates rates range from one to ten years, offering you the flexibility to invest based on your short-or long-term investment plan. You can make the minimum investment or opt for a larger amount in a self-directed IRA. It’s easy, efficient, and most important, profitable. Visit our FAQ's page for more information.

Why Choose SaverNotes?

SaverNotes offers investors an easy, yet effective way to grow money at a higher rate of return without risky stocks, low-interest bank CDs, or volatile bonds. Some of the benefits of choosing fixed income notes include:

  • Above market fixed rate of return

  • Flexible terms of two, three, or five years

  • Interest rates starting at 3%, 4%, or 6% respectively and paid out quarterly

  • An additional interest rate “kicker” equal to 10% of SaverNotes profits prorated to the account and paid once per year

How it works

SaverNotes offers renewable unsecured subordinated note which is a promise by us to pay the principal and interest on the note to the holder – that’s you. By purchasing a note, you are lending money to us. The note represents our obligation to repay your loan with interest.

When the note matures, you can elect repayment of the note and your investment will be returned to you along with any accrued but unpaid interest. However, if neither you nor SaverNotes elect repayment at maturity, the note automatically renews for another term and continues to earn interest at the current applicable rate. SaverNotes is issuing the notes as a new financing.

SaverNotes is only available to residents of the state of Minnesota.

Start investing today! Download our prospectus and application.

About the founder

A forty-year veteran of the commercial mortgage industry, Dave Rasmussen, sought to create a better way for his clients to invest and grow their money while tempering the risk associated with traditional investing. His extensive career in real estate, underwriting, and finance provided the chassis for the SaverNotes, giving Dave a multi-dimensional perspective and allowing his practice to evolve beyond commercial mortgages. His impressive repertoire includes construction loans, construction loans with mini-perms, permanent loans, mezzanine debt, bridge financing, joint ventures, medical and industrial offices, and more.

Analytical to his core, Dave thrives on data and the complexity of a deal. He can slice and dice transactions based on property types, capital structures and sources, and determine all the metrics used to create the deal. Over the years, he’s developed a database that now exceeds $100 billion in transactions. It’s no surprise he was named 2021 Mortgage Broker/Banker of the Year.

Dave holds a B.A. in Finance from the University of Wisconsin – Eau Claire and an M.B.A. from the University of Minnesota.


The following advisors have helped in the formation, structure, design, and daily operation of SaverNotes by providing legal, wealth management advice, banking, accounting and web design. These advisors include: Messerli & Kramer, Attorneys at Law, Cornerstone Private Asset Trust, Venture Bank, and Boeckermann, Graftston & Meyer CPA.

Paul Anderson – Messerli & Kramer

Paul Anderson is a shareholder in Messerli Kramer’s Commercial Real Estate group and has been with the firm since 1988. He has spent his career negotiating and documenting transactions for his clients in all areas of commercial real estate, including sales, acquisitions, land use planning and development; construction, financing and leasing of retail shopping centers; student housing projects, upscale residential apartment complexes, charter schools, and senior apartments; and assisted living and skilled nursing care facilities. Paul has strong connections with the industry’s leaders and service providers, and his reputation as a loyal and effective advocate for his clients is well known in the Twin Cities real estate community and beyond. He is experienced in all areas of real estate law, skilled in managing complex, multi-party transactions and he listens carefully to his clients to identify their business needs in order to obtain the best possible outcomes.

Chad M. Halbur – Cornerstone Private Asset Trust Company, LLC

Chad Halbur is President and a shareholder of Cornerstone Private Asset Trust Company. He is responsible for establishing procedures and the development of day-to-day operations. Chad is a Senior Investment Manager and oversees all accounts, working with clients on strategies to help them meet their financial goals and is involved in the implementation and daily management of those strategies. He is a CFA® charterholder, Certified Trust and Financial Advisor. Chad is also a member of the Twin Cities Society of Security Analysts, Minnesota Financial Planning Association, and a member of the firm’s Investment Committee. Chad holds a B.A. in Finance with a minor in Economics from St. Cloud State University.

Learn how we can help you maximize your investment while minimizing risk.

What Our Clients Have to Say

Dave with SaverNotes has been a wealth of knowledge. We wanted to find a new way to invest with a high return and we found it. We were provided with all the information we needed right away and he made the whole process so smooth.

– Brian W.