This chapter examines an entirely new source – collections of bundles of loose receipts, notes, and bills in local record offices – to demonstrate how older forms of oral credit were augmented by the use of informal local forms of paper currency to add liquidity to local transactions. This is linked to the changing legal status of paper bills and notes. It looks at the continuing shortage of silver coins and how the increasing minting of guineas was used to make the circulation of local notes work by providing enough coins to make notes over one pound in value redeemable for cash amounts. This chapter also uses the evidence provided by the extraordinary Chronicles of John Cannon as a sort of micro-history within the argument. This is a 500,000 word set of memoirs, diary entries, and record of his scrivening activities over c.1720–1742. Finally, there is a section on the increasing use of inland bills of exchange and their relation to local notes of hand by examining the diary of the mid-eighteenth century Sussex shopkeeper Thomas Turner. The records of the Royal Mail are used to show just how developed the national bill market was by the early eighteenth century, as the transfer of such paper instruments was a major part of its growing business.