A bullet trade is a lump sum payment, one time.  A 40-week trade goes for 40 weeks and is usually paid weekly or biweekly.  Bullet trades only become available a few times per year. Some pay in 24 hours; some pay in 10 days, and some have a 40-week contract that go with them.  Meaning, that it may pay a lump sum payment in a few days or week, after which the proceeds can be added to the capital committed to the program for a 40-week contract.  Keep in mind that the details of deals change every week, so it is impossible to predict in advance exactly what kind of deal your investors will get. Generally the larger the investor's capital, the more choices he will be given.