Four profiles. One common exposure.
Our clients come from different starting points, but they share the same underlying exposure. Capital is deployed into private loans without the underwriting discipline that protects it when loans go sideways. We close that gap. Some of these clients want one deal underwritten before they fund it. Others want a credit professional running the portfolio behind the capital they raised. We do both.
Loan Funds and Portfolio Operators
Who You Are
You have built or are building a private lending fund. Capital raised from family, friends, or accredited investors. You are managing $500K to $100M AUM. You have real deal flow coming at you.
Where You’re Exposed
You have no written credit policy. Underwriting is inconsistent across deals. Your first default is going to expose gaps in structure, documentation, and workout readiness. Investor reporting is informal. Regulatory exposure from the capital raise is often unclear.
How We Help
We run the credit function behind your portfolio, under your brand and scaled to what you need. That ranges from periodic advisory work, to ongoing portfolio management with monitoring and workout, to the complete credit operation from written credit policy through underwriting and default management. You keep your investors and your name. We supply the credit discipline behind them. Ask about white label portfolio management.
Note Investors
Who You Are
You acquire performing or nonperforming first or second position mortgage notes, typically at discount. You may be a solo buyer or a small portfolio operator. You are actively bidding tapes or managing existing notes.
Where You’re Exposed
Note pricing depends on re-performance assumptions that are easy to overestimate. Collateral valuations in tapes are frequently stale or optimistic. Workout planning is often postponed until the note is already nonperforming, by which point options are narrower and more expensive.
How We Help
We underwrite the tape. We assess borrower status, re-performance probability, and collateral value. We build a workout and disposition plan per note. You bid intelligently or pass. Years of special assets experience on the bank side is what this work is built on. For buyers holding paper, we also manage the portfolio on an ongoing basis, from monitoring through workout.
Direct Private Lenders
Who You Are
You deploy personal capital into first or second position real estate loans. Your borrowers are typically fix-and-flip operators, small landlords, or construction borrowers you met through your network. Your book is usually $100K to $2M outstanding at any given time.
Where You’re Exposed
You underwrite on relationship, collateral value, and instinct. You do not pull your own credit reports. You rely on the borrower’s summary of their situation. Your loan documents came from another lender, an attorney, or a template. When a loan goes sideways, you are figuring out the workout in real time.
How We Help
We review your loans before you fund them. We pull independent credit. We tell you where the deal is weak, what needs to change, and whether the borrower’s story actually holds up. We stay involved as deals repeat. As your book grows, the same review becomes ongoing portfolio support.
Self-Directed IRA Lenders
Who You Are
You lend from a self-directed IRA through a custodian. You typically hold one to six loans outstanding. The capital at risk is retirement capital, which makes the exposure personal.
Where You’re Exposed
Prohibited transaction exposure is real and the custodian will not flag it for you. Loan structure must accommodate IRA-specific constraints. When a loan becomes nonperforming, the workout options are different than with personal capital and the tax consequences of a misstep are significant.
How We Help
We review the loan for prohibited transaction risk, structural soundness, and underwriting strength before you fund. We consult on workouts within the IRA structure if loans turn. We do not replace your attorney or CPA, but we work with them.