The Challenge
Small business lending is currently a 30 billion dollar industry. By 2030 it is projected to more than double. Currently 7 out of every 10 small businesses lack a line of credit with their bank. In addition over 50% of loan applications with banks get denied. This can lead to challenges particularly with small retailers, restuarants, and services businesses. Not having proper cash flow at key times can make the difference between success and failure.
The Solution
Our lending business provides timely cash to small businesses. Underwriting is based more on revenue consistency than credit history and banking relationships.
As an example, Nathan runs a small construction business in Florida. He recently was awarded a bid to renovate an apartment complex.
Application
The challenge is he doesn’t have the cash to buy the materials needed to start the job. He also has a credit score that is only in the 600’s and doesn’t have access to a bank loan. Nathan applied for a 90 day merchant cash advance of $10,000. He agreed to pay back $12,000 and have a lein placed on his credit card recevables until his loan is paid for. Each time he does a job we collect 10% of the amount he charges the customer until the total loan is paid for.
With this cash advance Jeremy was able to complete the renovation job on time and gained a few referrals as well.
The Math
We loan out the same dollar 4 times per year. Our average merchant cash advance is 25%. We do over 200 of these loans per month. We also are loaning smaller dollar amounts to individuals. Individual loans average over 30% per year and we process a couple of thousand of these per month. It’s easy to see that this is a highly profitable business.
Our Track Record
12
Micro lending portfolios successfully built and serviced to maturity from 2006 to present. Each portfolio has been profitable.
100
Over 100 million dollars in portfolio value, which generated millions in profits.
32
Through our proprietary filtering strategies, we have achieved a 32% lower default rate than our competition.
72
Years of combined industry experience. We are one of the most experienced micro lending businesses in the Western United States.
144
Adam raised and managed over 144 million dollars in assets for families across Northern Utah during his 18 year career.
0
Of our lending portfolios have been unprofitable.
Opportunity Knocks
Our business model has been vetted and improved over the years. You could say it is tried, true, and impressive. After 2 decades of running these portfolios privately, we have decided to open this opportunity up to the public.
Our lending approach has made millions in profits over the last couple of decades. Don’t miss out on a chance to diversify your portfolio by investing in a hard-to-get asset class that offers strong returns with minimal volatility. This will be our 13th portfolio build out. The last 12 have all made good money. We are adding 2 million of our own assets to this next portfolio.
This is a great alternative to the disappointing bonds and fixed income investments in your portfolio. Consider replacing them with our product and get the same return in less than half the time.
Fund Terms
Minimum commitment:
$100,000
Management fee:
2%
Term:
Minimum 1 or 2 years.
Fund Payout:
Paid Semi-Annual. 60 day incubation.
Offering opens:
August 15, 2025.
Offering closes:
December 15, 2025.
Share Classes:
A. 100k-499k-12% pref. This is a one-year principle tie up.
B. 500k plus- 14% pref. This is a one-year principle tie up.
C. 100k-499k- 18% pref. This is a two-year principle tie up.
D. 500k plus- 22% pref. This is a two-year principle tie up.