Straight answers to the questions we hear most.
Borrowers, sponsors, and limited partners — the fastest way through diligence is to answer the common questions in writing. If you do not see yours here, write to [email protected].
Origination & closing.
How fast can Loanetics issue a term sheet?
A written term sheet is delivered within 48 hours of a complete file. Complete means sponsor bio, property information, purchase or refinance details, and business plan.
How fast can you close?
Complete files close in 7 to 14 business days. The clock starts when title is ordered and appraisal engaged. Time-critical closings can be accelerated.
What loan sizes do you write?
Strategy-dependent. Fix-and-flip typically $250K to $5M. Bridge and construction $2M to $75M. Larger sizes accommodated on syndication.
What are typical LTV and DSCR requirements?
LTV ceilings are strategy-specific and enforced without exception — commonly 65 to 75 percent of as-is value for stabilized bridges and 65 to 70 percent of as-completed on construction. DSCR floors apply on stabilized-cash-flow deals.
Do you require personal guarantees?
Standard for renovation and construction; negotiated for institutional sponsors on stabilized bridge.
What states do you lend in?
We originate throughout the continental United States through the licensing structures required by each jurisdiction.
What is your fee structure?
Origination points, interest coupon, exit or extension fees where applicable — all disclosed in the term sheet before you commit. No surprise fees at closing.
LP subscription & economics.
Who can invest in Loanetics funds?
Accredited investors under Regulation D and, for certain funds, qualified purchasers under Section 3(c)(7). Suitability is verified during subscription.
What is the minimum commitment?
$2,000,000 minimum LP commitment. Smaller commitments considered on a case-by-case basis with LPAC review.
What are the fund economics?
8 percent preferred return to LPs. 15 percent carry above the pref with a 100 percent GP catch-up. American waterfall. Detailed economics in each PPM and LPA.
What are target returns?
Net IRR target range of 10 to 14 percent across the platform, strategy-dependent. Detailed target-return disclosure in each fund PPM. Past performance is not indicative of future results.
What is the fund term?
Fund terms vary from three to seven years with defined harvest and extension provisions as described in the LPA.
How are distributions paid?
Cash flow is distributed quarterly under the American waterfall. Preferred return accrues first; carry follows after the 100 percent GP catch-up.
How is performance reported?
Quarterly capital account statements, deployment reports, LTV/coupon/duration breakdowns, and annual audited financials by PwC — delivered through the LP Portal.
Do you accept SDIRA or self-directed retirement capital?
Yes, subject to fund-specific ERISA considerations. Ask your investor relations contact for the fund-specific ERISA and UBTI treatment.
How the platform is run.
Who audits the funds?
PricewaterhouseCoopers audits every Loanetics fund annually under U.S. GAAP.
Who is legal counsel?
LePore Law Group serves as fund counsel for structuring, subscription, and ongoing regulatory matters.
How are conflicts governed?
Each fund has an independent Limited Partner Advisory Committee with defined authority over conflicts, valuation, and side-letter parity.
How is the platform capitalized?
Twenty-one investment funds totaling $43.08B in target capital across two vintages — the 2026 vintage covers ten credit strategies (commercial bridge, construction, fix-and-flip, land, mezzanine, distressed, participating mortgage, warehouse, SFR, and PACE/green) totaling $25.34B, and the 2028 vintage covers eleven diversified real estate strategies (Core, Core-Plus, Value-Add, Growth, Opportunistic, and Special Situations) totaling $17.74B. Dedicated Operations Funds ($6.63B across four vehicles) and Reserve Funds ($16.57B across four vehicles) bring platform-wide committed capital to $66.28B.
Where is Loanetics headquartered?
1910 Pacific Avenue, Suite 2000, Dallas, TX 75201. Office 972.945.5050.