Twenty-one strategies calibrated to what each project actually needs.
The U.S. real estate market is bifurcated — between slow institutional lenders and fragmented hard-money providers on the credit side, and between rigid Core mandates and undisciplined opportunistic capital on the equity side. Loanetics closes both gaps across two vintages: ten 2026 credit strategies and eleven 2028 diversified real estate strategies, matched underwriting teams, and a single Investment Committee governance model.
Real estate operators lose deals to lender timing.
Real estate operators executing credible, well-underwritten business plans consistently find themselves unable to access capital that combines institutional pricing discipline with the execution speed their projects require.
Slow institutional approval timelines
Bank and life company lenders operate on approval timelines of 45 to 90 days, incompatible with the 10 to 21-day closing windows that acquisition contracts and note purchase agreements require. Borrowers who cannot close in the required timeframe lose deals and forfeit deposits.
Rigid underwriting matrices
Traditional lenders apply standardized criteria that disqualify transitional assets, construction projects with entitlement risk, land under development, non-stabilized income properties, and distressed note portfolios — leaving creditworthy borrowers without appropriately structured capital.
Fragmented hard-money sector
The private hard-money lending market is fragmented among thousands of small regional lenders with limited capital, inconsistent underwriting standards, and limited ability to execute larger transactions or portfolio-level financing.
Underserved middle-market credit
Loan sizes between $1M and $50M are the most active segment by transaction count but are systematically underserved. Large lenders focus above $50M; small lenders cannot exceed $5M to $10M per loan.
Twenty-one funds. Specialized teams. One governance model.
Loanetics addresses the structural failures of the U.S. real estate market by deploying twenty-one purpose-built investment funds across two vintages — ten 2026 credit strategies and eleven 2028 diversified real estate strategies. Each fund is staffed with an underwriting team specializing in the specific asset type, borrower or operator profile, and market dynamics relevant to that strategy, with discrete underwriting criteria, sizing parameters, and documentation standards matched to the risk profile of each strategy.
Rapid Execution
Initial term sheets within 48 hours of a complete loan application. Fully underwritten loans close within 10 to 21 business days of credit committee approval. Construction draws processed within 5 business days.
Flexible, Borrower-Specific Structures
Bridge loans include performance-based extension options. Construction loans include completion escrows and interest reserves. Fix-and-flip credit lines are revolving facilities allowing high-volume operators to draw, repay, and redraw at their operational pace.
Collateral-First Underwriting
Every credit decision begins with rigorous independent collateral assessment at current and projected values. LTV limits: 65–75% on stabilized first-lien commercial; up to 80% on transitional bridge; up to 90% of cost and 100% of rehab not to exceed 75% of ARV on fix-and-flip.
Ethics-First Mandate
All economics, fees, prepayment terms, and default provisions are disclosed in the initial term sheet. No new fees at closing beyond those disclosed at approval. Borrowers receive a final closing disclosure at least 48 hours before loan execution.
Credit built to match the deal.
Short-term acquisition & bridge financing
First-mortgage bridge loans on stabilized, transitional, and value-add commercial and residential assets sized at 65–80% LTV, with interest reserves and capital improvement escrows. Terms 12–36 months with extension options tied to occupancy or DSCR milestones.
Construction & conversion finance
Ground-up construction financing and construction-to-permanent structures for experienced commercial developers, including full recourse completion guarantees, escrow administration, and independent inspection protocols.
Residential credit facilities
Revolving credit facilities and acquisition-renovation loans for active fix-and-flip operators — 5 to 10 business day closings, leverage up to 90% of acquisition cost and 100% of renovation subject to a 75% ARV cap.
Mezzanine, preferred & participating
Capital filling the gap between senior debt leverage limits and sponsor equity. Preferred return accrual, PIK, equity conversion rights, and governance protections calibrated to project risk profile.
Note acquisition & workout
Non-performing, sub-performing, and distressed commercial mortgage note portfolios from banks, insurers, CMBS servicers — resolved through modification, DPO, refinancing, deed-in-lieu, or REO disposition.
PACE & green energy finance
Commercial and residential PACE loans for energy efficiency, renewable energy, and resilience improvements — repaid through property tax assessments with senior-priority municipal tax lien security.
A four-stage discipline.
Loanetics runs a four-stage Investment Committee process moving from initial screen to full approval in 10 to 14 business days for standard loan submissions. Alexandra Pohl chairs the Investment Committee and holds final approval authority on all credit decisions.
Application review against screening criteria.
Complete applications receive a preliminary term sheet. Incomplete applications are returned with a list of missing items within 24 hours.
Independent appraisal, reference checks, full memo.
The credit team orders an independent appraisal, verifies borrower track record, models loan economics, and prepares a full underwriting memorandum covering collateral, borrower, market, structure, risk factors, and recommended decision.
Approve, modify, request diligence, or decline.
The memo is presented to the Investment Committee chaired by Alexandra Pohl. Approved loans receive a commitment letter within 24 hours specifying final terms and conditions to closing.
Documentation, title, and wire.
Loan documentation prepared, title insurance placed on all loans, and funds wired on the day of loan execution following confirmation of all closing conditions.
Four origination channels.
Mortgage broker network
Active correspondent relationships with commercial and residential mortgage brokers nationwide, delivering 24-hour acknowledgment, 48-hour preliminary credit decisions, and dedicated relationship manager support from application through closing.
Direct borrower outreach
Targeted outreach to commercial property owners, fix-and-flip investors, SFR portfolio operators, and PACE-eligible commercial building owners through digital advertising, direct mail, conference presence, and referral programs.
Institutional note pipeline
Established relationships with bank and insurance company loan workout teams, CMBS special servicers, and financial institution regulatory capital management teams that periodically sell non-performing or sub-performing real estate mortgage portfolios.
PACE program partnerships
Program participation agreements with state-level PACE program administrators across 38 states with active commercial PACE programs, routing eligible commercial building owner applications directly to the Loanetics PACE origination team.
Geographic focus. Continental U.S. with concentration in the top 100 MSAs. Core markets: Dallas–Fort Worth, Houston, Phoenix, Atlanta, Tampa, Nashville, Las Vegas. Secondary: Denver, Salt Lake City, Indianapolis. Coastal markets — Los Angeles, New York, Miami, Seattle — are important for mezzanine, preferred equity, and PACE strategies. No single MSA exceeds 20% of committed capital; no single state exceeds 30%.