Private equity, built on real American collateral.
Accredited and institutional investors partner with Creative Lending USA to deploy capital into 1st-lien real estate debt, bridge financing, and operating businesses — with senior security positions and disciplined underwriting.
Target net IRR figures shown are objectives, not guarantees. Past performance does not predict future results.
Where your capital goes to work.
Real Estate Credit
Short-duration bridge, fix-and-flip, and DSCR loans secured by 1st-lien positions on U.S. residential and small-balance commercial properties.
Private Business Lending
Asset-backed term loans and revenue-based facilities to vetted U.S. small and middle-market operating businesses.
Opportunistic Equity
Selective co-investment and JV equity into multifamily, ground-up, and value-add deals sourced through our origination platform.
Senior secured, conservatively underwritten, never co-mingled.
1st-lien position
Every loan is recorded against title as a senior mortgage.
Conservative LTV
60–70% loan-to-value caps, with appraisals from a national AMC.
Personal guarantees
Sponsor PGs and reserve requirements on every facility.
3rd-party custody
Funds custodied with a regulated trustee — never held by the manager.
From subscription to monthly distribution.
- 01
Capital in
Complete accredited verification, sign the PPM and subscription agreement, and wire funds to the trustee.
- 02
Loans originated
Our team underwrites and closes 1st-lien loans to vetted borrowers across the U.S.
- 03
Monthly income
Borrower interest payments are distributed to investors monthly, with K-1 or 1099 at year end.
Built for accredited and institutional capital.
- • U.S. accredited individuals and family offices
- • Self-directed IRAs and qualified retirement plans
- • RIAs allocating on behalf of qualified clients
- • Foreign investors (Reg S structures available)
- • Institutional credit funds and insurance balance sheets
Common questions from investors.
What is the minimum investment?
$50,000 for the flagship private credit strategy. Higher minimums apply to opportunistic equity co-investments.
How often are distributions paid?
Monthly, directly from borrower interest payments. Reinvestment is available on request.
What is the lock-up and redemption policy?
12-month initial lock-up, then quarterly redemption windows with 60 days' notice, subject to fund-level gates.
Are self-directed IRAs eligible?
Yes. We work with major SDIRA custodians including Equity Trust, IRA Financial, and Directed IRA.
How is tax reporting handled?
Investors receive a K-1 (fund structure) or 1099-INT (note structure), depending on the offering subscribed to.
Do principals invest alongside LPs?
Yes. Principals maintain meaningful capital in every strategy — skin in the game on every dollar deployed.
Request the deck. Speak with a principal.
Share a little about your goals and we'll send current opportunities, target returns, and the full PPM under NDA — typically within one business day.
This page is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any securities. Offerings are made only by private placement memorandum to accredited investors under Reg D 506(c) or to non-U.S. persons under Reg S. Investing involves risk, including possible loss of principal. Target returns are objectives, not guarantees. Past performance is not indicative of future results.