Two vehicles.
Both built around gaps the big institutions ignore.
“I don’t bring it until I’d personally put money in it.”
Not every deal makes the cut. Here’s what does.
private real estate
Private Land & Real Estate Debt
Structure
Senior-Secured Debt
Distributions
Monthly
Investor Type
Accredited
Why This Exists
Traditional banks have a complicated relationship with raw land and gap financing. The underwriting is harder, the timeline is longer, and the regulatory overhead makes most institutional lenders walk away. That creates a consistent opening for disciplined private operators with real track records.
This fund steps into that gap. Senior-secured debt positions. Monthly cash flow distributions. Conservative underwriting built around protecting the downside first.
What I Like About It
The structure is simple enough to explain to anyone in five minutes. Distributions come monthly… this is income, not a 5-year wait. Senior-secured means you’re first in line if something goes wrong. The operators have deployed and returned capital through multiple cycles.
Key Details
Senior-secured debt positions
Monthly cash flow distributions
Conservative, gap-filling structure
Operators with multi-cycle track record
Investors looking for consistent cash flow
Capital moving out of volatile paper assets
Self-directed IRA holders seeking non-correlated income
private credit
Small Business Lending Fund
Structure
Senior-Secured Debt
Distributions
Monthly
Investor Type
Accredited
why this exists
Getting a small business loan through traditional channels… a bank, the SBA… takes six to nine months with no guarantee. The businesses that most need capital to grow don’t have that kind of time.
This fund solves that problem by funding directly. The operating partners run one of the largest business lending brokerages in the country… over $1 billion deployed. They use that origination engine to cherry-pick the highest-quality borrowers, then fund the best ones themselves.
The structure is simple enough to explain to anyone in five minutes. Distributions come monthly… this is income, not a 5-year wait. Senior-secured means you’re first in line if something goes wrong. The operators have deployed and returned capital through multiple cycles.
Key Details
$1B+ deployed by operating partners
Avg. borrower: $3M revenue, 10yr track record
Non-correlated to real estate cycles
Conservative borrower selection
Investors wanting private credit exposure
Those diversifying beyond real estate
Anyone seeking yield from a non-equity source
Every deal I bring
clears the same bar.
03
Anyone looks good in a bull market. I want to see how they handled 2009… or whatever the hardest year was.
02
01
Their upside should be tied to yours, not to assets under management. Fee-driven structures are a conflict of interest from day one.
06
Straight answers before and after you invest. If it’s hard to get answers before you sign, it won’t get easier after.
05
Long lockups with no clarity aren’t capital allocation… they’re hope. I want a clear path.
04
I don’t care about the ceiling until I understand the floor. Conservative underwriting only.
The structure is simple enough to explain to anyone in five minutes. Distributions come monthly… this is income, not a 5-year wait. Senior-secured means you’re first in line if something goes wrong. The operators have deployed and returned capital through multiple cycles.
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Northcorp Capital
… Thomas St. John
Northcorp Capital
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This is not an offer to sell securities. For accredited investors
only. Past performance does not guarantee future results.