Frequently Asked Questions
We provide accredited investors with secure, short-term fixed returns through high-integrity lending. Here’s everything you need to know about how we protect your capital and deliver consistent monthly income.
What kind of returns can I expect, and how do payouts work?
Investors earn 11–15% fixed annual returns, depending on investment size and duration. Payouts are monthly, quarterly, or annual—your choice. You can also reinvest for compounding growth.
How is my investment protected?
Loans are secured with UCC liens, assets, and personal guarantees. We also maintain a reserve fund (typically 10–20% of capital out) to cover temporary borrower issues and keep payouts flowing.
What are surety bonds and how do they work?
Surety bonds are third-party financial guarantees. If a borrower defaults, the bond can reimburse up to 80–100% of the loss depending on terms. We apply bonds strategically for high-risk deals.
What is Biblically Responsible Investing (BRI)?
BRI is our faith-aligned model. We avoid industries that conflict with Biblical values and only lend to businesses that reflect integrity, stewardship, and community impact.
Can I invest using my IRA or 401(k)?
Yes. Our notes work with Self-Directed IRAs and Solo 401(k)s. They’re structured to avoid UBIT and can grow tax-deferred. We can help you work with your custodian to set this up.
What happens if a borrower defaults?
We pursue recovery through collateral and legal enforcement. In past defaults, we’ve recovered over 90%—and maintained 100% investor payout history, thanks in part to our reserve fund.
Who can invest, and what’s the minimum?
Only accredited investors may participate (as defined by SEC Rule 506c). We require third-party verification. The minimum investment is $100,000.
