INNERCIRCLEYour Returns Don't Care About the Market
S&P up 20%? You get 11-15%. S&P down 30%? You still get 11-15%.
Fixed returns established by promissory note. No hoping the market cooperates. No watching your portfolio swing. Just predictable income—whether you invest through personal funds or retirement accounts.
Retirement Account Friendly
Perfect for self-directed IRAs and 401(k)s. Simple tax reporting with none of the complexity of alternative investments.
No-Leverage Fund
We never use debt to fund loans. Your capital stays safe and unlevered—a rare advantage most funds don't offer.
6-12 Month Agility
Short loan cycles mean we adapt fast to market changes—never trapped in decade-long real estate speculation.
"11-15%? How is that possible?"
Where Your Returns Come From
We serve a premium private lending market. Borrowers who need capital now—and will pay significantly for speed and discretion.
Their premium becomes your fixed return.
Why Borrowers Pay a Premium
Speed has a price. When a deal closes in 72 hours, banks aren't an option. When discretion matters more than cost, traditional lenders can't help.
We serve borrowers who need:
- •Speed — Capital in days, not months
- •Discretion — No public records, no partner notifications
- •Certainty — A definite yes, not weeks of "maybe"
They don't want the lowest rate. They want the fastest yes.
Two Ways to Invest
Most funds vs. Inner Circle
The Traditional Way
- 10-year lockups
- 3-4x leverage on your capital
- Returns depend on the market
- Hope the property appreciates
- Call center customer service
The Inner Circle Way
- 1-2 year commitments
- Zero leverage—ever
- Fixed 11-15% regardless of market
- Short 6-12 month loan cycles
- Wayne's direct phone number
We Choose People, Not Property
Most "hard money" lenders tell you: "Your investment is backed by real estate." Here's what they won't tell you: when a borrower walks away, that property goes into a 2-year legal mess. First lien holders get paid first. You get whatever's left.
Personal Guarantees
Our borrowers personally guarantee every loan. They can't just walk away—their own assets are on the line.
Character-Based Lending
40 years of business experience taught Wayne one thing: good people pay their debts. We lend to people we know will pay.
Enforceable Structures
Our loan structures include direct recourse options. When someone's livelihood is on the line, they find a way to pay.
"Okay, I understand the model. But who's actually behind this?"
Meet the team...
Leadership You Can Trust
Wayne Griswold
Founder & Chief Investment Officer
40 years of starting and running businesses. That's not fund management experience—it's something rarer: judgment. Knowing who pays their debts and who doesn't. Knowing a handshake that means something from one that doesn't.
Michael Griswold
Head of Strategic Lending
Building relationships with borrowers who value speed and discretion. Finding the deals where premium rates meet reliable repayment. The bridge between opportunity and execution.
"Okay, I like the team. But why should I trust a family-run fund?"
Because we built it for ourselves first...
Family-Run. Not VC-Backed.
No outside investors pushing for risky growth. No board meetings deciding your fate. Just a family that's been in business together for decades, now offering you a seat at the table.
Our Money's In Too
The Griswold family has skin in the game. We're not just managing your money—we're investing alongside you.
40 Years of Business
Wayne has started and run companies since the 1980s. That's not theory—that's four decades of knowing what works.
Conservative by Design
No leverage. Short loan cycles. Personal guarantees. We built this fund the way we'd want to invest our own retirement.
"Alright, I'm in. How does this actually work?"
It's simpler than you'd think...
How It Works
No complex structures. No hidden fees. Just a straightforward promissory note.
You Invest
Minimum $200k. Choose your term: 12 or 24 months. Pick your rate: 11-15% fixed annually.
We Lend
Your capital funds short-term loans to vetted borrowers who pay premium rates for speed and discretion.
You Earn
Fixed returns paid according to your promissory note. No surprises. No market dependency.
Retirement Account Friendly
- Self-directed IRA compatible
- Solo 401(k) eligible
- Simple 1099-INT tax reporting
- No K-1 complexity
Simple Legal Structure
- Promissory note—not equity
- 506(c) accredited investor offering
- Clear entry and exit terms
- No complicated fund structures
Zero Leverage. Zero Debt.
Most funds borrow 3-4x against investor capital to amplify returns. We don't. Your money isn't borrowed against—ever.
That's rare in this industry. We think it should be standard.
Direct Access to Leadership
No call centers. No account managers. You get Wayne's direct line. Questions at 9pm on a Sunday? He'll answer.
713-913-3179
Freedom
That's what this really delivers. Not just returns—actual freedom.
We lift the burden from you.
Focus on living while we manage the complexities of private lending with complete discretion.
We give you back your time.
No more endless research or constant monitoring. We handle everything while you enjoy life.
We deliver peace of mind.
Experience the freedom of consistent returns without the stress of active management.
Time is the one thing you can't get back. We give you yours.
Ready to take the first step?
Get StartedWhy private credit now
Investor interest in private credit has strengthened in recent periods, as widely noted by leading institutions. Many investors are drawn to its income‑oriented, downside‑focused structures that aim for steadier cash flows and lower sensitivity to broad market swings.
Ready to Start?
Schedule a confidential consultation to discuss your investment goals and see if Inner Circle Lending is right for you.
Investment opportunities are available exclusively to accredited investors. All investments involve risk, including potential loss of principal. Past performance is not indicative of future results. This is not an offer to sell securities.
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