Private Lending.
Deal-Specific Terms.
Clearer Information.

Review real-estate lending opportunities one deal at a time, with proposed loan terms, security, project assumptions, exit strategy, material risks, and reporting expectations outlined before you decide.

Review a Sample Deal Memo Discuss Lending Criteria

Deal-Specific Terms

Each opportunity identifies the proposed amount, term, interest, security position, intended use of funds, and expected repayment strategy for that particular loan.

Risk & Security Context

We identify the proposed security, project assumptions, leverage, exit strategy, and material risks so they can be reviewed before capital is committed.

Agreed Reporting Cadence

If a loan funds, we establish how and when project updates will be provided, including material developments that may affect the original plan or expected timing.

Who Private Lending May Be For

Private lending may suit people who are comfortable evaluating individual real-estate-backed loans, reviewing the proposed terms and risks, and making their own decision with appropriate professional advice.

This may be a fit if...

  • You prefer to evaluate lending opportunities one deal at a time
  • You want to understand the property, loan terms, security position, borrower equity, project plan, and proposed exit before deciding
  • You are comfortable with capital being committed for an agreed term
  • You understand that real estate, renovation, financing, market, and execution risks can affect repayment
  • You are willing to obtain your own legal, tax, financial, or other professional advice where appropriate

This may not be the best fit if...

  • You require guaranteed principal, interest, repayment timing, or investment outcomes
  • You need immediate access to the capital you lend
  • You are uncomfortable with property values, project costs, timelines, or financing conditions changing
  • You do not want to review the loan documents, security, assumptions, and risks for each opportunity
  • You are looking to Grateful Gable Home Solutions to determine whether private lending is financially suitable for you
Private lending involves risk. Security, equity, contractual terms, and a planned exit can help structure a loan, but they do not eliminate the possibility of delay, loss, default, enforcement costs, or changes in project economics. Each lender should independently decide whether a particular opportunity is appropriate for them.

What a Lender Deal Memo May Include

Before asking someone to consider funding a loan, we want the core economics, proposed security, project plan, repayment strategy, and material risks presented in one place.

The memo is a starting point for diligence rather than a substitute for the loan documents, legal advice, independent valuation, or any other review a lender considers appropriate.

Example Lender Deal Memo

Capital request Loan amount and intended use of funds
Proposed loan terms Interest, term, payment structure, and key conditions
Security Property, proposed mortgage position, and related security
Leverage & equity Property value assumptions, loan exposure, and borrower capital where applicable
Project plan Acquisition, renovation, holding, and other relevant project assumptions
Repayment strategy Expected sale, refinance, maturity, or other proposed repayment path
Material risks Property, market, renovation, financing, timing, and execution considerations
Reporting plan Proposed update cadence and material project milestones

How a Lending Opportunity Works

1

Discuss Your Lending Criteria

We start by understanding the types of loans you are willing to consider, including approximate capital range, term, security preferences, and other criteria that matter to you.

2

Review a Specific Opportunity

When a potential fit arises, you receive deal-specific information describing the proposed loan, property, security, project plan, assumptions, repayment strategy, and material risks.

3

Complete Your Review & Legal Documentation

You decide whether to proceed after completing the diligence and professional review you consider appropriate. If the parties agree, the loan and security documentation are prepared and funding proceeds according to the final legal documents.

4

Updates, Repayment & Discharge

During the loan, updates follow the agreed reporting cadence. At repayment, the lawyers handle the applicable payout and discharge steps in accordance with the loan and security documents.

Review the Lending Process Before Reviewing a Deal.

Start with an example deal memo or tell us the types of private loans you are interested in considering.

Reviewing information or discussing lending criteria does not commit you to fund any opportunity. Each loan can be evaluated separately before you decide.

Review a Sample Deal Memo Discuss Lending Criteria