This opportunity represents the acquisition of a well-established hard money, asset-based lending platform with a durable track record across multiple market cycles. Operating primarily in two states, the company manages a consistently performing portfolio of approximately 120–200 active loans at any given time, supported by repeat borrowers and strong referral-driven deal flow.

At the core of its success is a rigorous deal evaluation process, typically originating loans at a conservative 60–70% loan-to-value ratio. This approach has provided meaningful downside protection during market corrections and has contributed to long-term portfolio stability. Rather than relying on traditional credit-based lending models, the company emphasizes a comprehensive assessment of the borrower, their experience, and the underlying business fundamentals of each transaction, which has effectively reduced losses and volatility.

While the business has demonstrated strong and consistent performance (generating $3.1 million in revenue and $1.8 million in SDE in YTD 10/2025 annualized) it remains meaningfully under-optimized from a growth perspective. The existing infrastructure can support a substantially larger loan book without incremental fixed costs, offering immediate operating leverage to a new owner. More aggressive expansion strategies, including geographic expansion, targeted marketing, and broader investor outreach, present a clear path to accelerated scale.