Michael, Shane, and Trevor have been working together in this lending business for nearly 20 years, so they essentially built it from the ground up.
Adam is new to the team as he has been running an investment management and financial advising practice for the last 18 years.

Michael runs the contract implementation, Shane is the technology expert, and Trevor is the banking and money flow expert.
Adam raises capital and runs the fund.

No. We offer a lot of small loans to protect us from defaults. The range of our loans is $300 to $1,500 each.
Yes, we do have defaults, but we have enough solid loans to make up for the losses. We are averaging around 3,500 loans a month in volume, and our goal is to loan the same dollar out 4 times per year at a minimum.

We loan to consumers and to businesses.

To protect us from defaults from a business, we connect to their credit card processing platform and take 10% of each credit card transaction until the loan is paid for.
When a customer is late on a payment, we send out 2 emails, 2 text messages, and 2 phone calls to start a conversation and work out a repayment plan.
If we are unsuccessful, we write off the debt and move on. We focus on finding better customers and avoid burdening those in tough times.

We have developed sifting software that allows us to locate and engage with potential lending customers in seconds.
We gather information on their background and repayment ability. Once a track record is established, we offer more attractive lending terms to incentivize repeat customers.

Our launch date is July 15, 2025. Currently we are about 3 weeks behind schedule on this date.

Your principal is tied up for 2 years.

Once profits are realized, investors are paid quarterly for as long as they are invested in the fund and the fund is profitable.
There is a 60-day “incubation” period. For example, if funds are deposited on January 1st, the first payment will be made May 31st. Payments continue quarterly from there.

Yes. Dividends may be reinvested and are also liquid—meaning you can request them at any time and we’ll send them to you.

This is a profitable business. If an investor feels more comfortable with a smaller dividend, we’re happy to pay less. It’s entirely up to you.

Yes, we will provide an investor-facing website where you can log in to view your funds, dividend schedule, and more.

We’ve contracted NAV out of Chicago to handle fund administration and compliance. NAV has been in business for 34 years and currently administers over $310 billion in assets under management.