Team Advantage
Each investor brings their own professional experience, specialized knowledge, certifications, education and personal capital to the table. Bringing a unique perspective is everything. Leveraging each other's strengths is key. Every deal is different. Every borrower is different. Together, as individuals in collaboration, we work towards mutually beneficial relationships.
Opt In. Opt Out.
Each private lender has the personal choice to participate in a funding in part or in full. Opting in with others requires a professional relationship, a mutual comfort level, agreement to mutual terms, and the assumption of shared risk and returns. There is no obligation to participate in any funding opportunity - any investor can personally opt out and stand aside for any reason.
Pro Rata
When multiple private lenders get together on an investment opportunity, the benefits and risks are prorated based upon of the capital leveraged. If for example two lenders finance a deal 50/50, then half of the interest made is entitled to each lender, as would half of the risk of default and the associated costs of managing that default. The advantage of sharing an opportunity is that any one private lender is not exposed to concentration risk where all your eggs are in one basket, however both benefit 100% from the same security.