We work with builders and developers, real estate investors, entrepreneurs and business/property owners to provide the private debt financing. Our loans are primarily business purpose, asset-based loans.
We have decades of experience developing office, industrial, retail, historic rehabilitation, adaptive reuse, environmental mitigation banks and residential development projects throughout the US. It’s this background that enables us to bring creative financing solutions to a wide range of complex real estate
projects.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
Property Types
- 2-4 Units Residential
- Adult Day Care
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Car Wash
- Child Day Care
- Cinema
- Club
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Cooperative
- Covered Land
- Equestrian
- Event Center
- Gas Station
- Golf Course
- Gym
- Healthcare
- Hospital
- Hostel
- Hotel
- Industrial
- Manufactured Home
- Marina
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Motel
- Multifamily
- Night Club
- Office
- Parking Lot
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Recreational
- Rehabilitation Facility
- Residential Land
- Retail
- School
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Theater
- Timberland
- Vehicle Parking
- Winery
Loan Types
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
- Residential Ground-Up Construction
Specialty Loan Types
- Bankruptcy Resolution
- Condo Conversion
- Foreclosure Bailout
- Land Development
- Luxury Homes
- Note Purchase
- Partner Buyout
- Residential Long-Term Rental
- Residential Non-Prime
- Reverse 1031 Exchange
- Subdivisions
- Vacation Rental
Agribusiness Types
- Cattle Ranch
- Citrus Grove
- Corn
- Cotton
- Dairy
- Equestrian
- Melons
- Peach
- Peanuts
- Potatoes
- Poultry
- Row Crops
- Swine
- Tree Nuts
- Vegetables
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
- Covered Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
50%Max LTC for Land Acquisition
50%Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
3Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
90%Typical Number of Days for Funds Draw
5Maximum After Repair Value
75%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
3Max LTC for Ground-Up Construction Costs
80%Will Lend on Partially Completed Construction Projects
yesSite Visit Fee
Actual cost to conduct site visit
Legal Fee
Actual cost
Escrow Fee
Actual costs
Title Fee
Actual costs
Credit Report Fee
$75
Exit Fee
As applicable
Appraisal Fee
Actual cost
Fees which are mandatory for all new borrower clients
- Deposit
- Processing Fee
- Credit Report Fee
- Renovation or Construction Funds Draw Fee
Fees which are paid to a third party company
- Due Diligence Fee
- Legal Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
- Environmental Report Fee
Enact Partners Testimonials
"We will continue to rely on the Enact Partners team for timely and efficient funding. Enact Partners has funded multiple loans for our company over the years. The speed of funding is important to us and they have been excellent about acting quickly when it matters – in some cases, within just 4 days. They are easy to work with and have always performed on time or ahead of schedule. We will continue to rely on the Enact Partners Team for timely and efficient funding. We have no hesitation in recommending them to anyone who may need financing options. These guys do great work and it’s refreshing to be able to count on them when we need them."
J.G. & G.C.
"Enact Partners got us funded on time with no hiccups or surprises and they will continue to be my first choice for financing. I have worked with numerous lenders across the country and Enact Partners is by far the best. They do what they say they’re going to do and they are a pleasure to work with. Enact Partners got us funded on time with no hiccups or surprises and they will continue to be my first choice for financing. I recommend them highly."
J.S.
"Enact Partners’ assistance and thoroughness throughout the process was incredible. I wanted to take a moment and thank you for helping us with our loan. It was such a pleasure working with Enact Partners. Your assistance and thoroughness throughout the process was incredible. The positive/can do attitude that your whole team displayed was so refreshing. I was also impressed with your consistent responsiveness. Your teams’ quick response to my calls and text messages really made me feel special. This experience was definitely different from working with the stuffy and hard to communicate with banks. I sure hope we have the opportunity to work together again."
L.M.
"I was introduced to Enact Partners in the fall of 2013. My first investment was in October of that month. Later there was some concern that that borrow might default, but I was not worried as we held a First Trust Deed worth considerably more than the loan amount. The borrower found a way to catch up on his loan and avoid default (and considerable financial loss). Since then I’ve invested in several other opportunities, some of which have already closed with full refund of principal plus all the interest I’ve earned. When starting, I had a personal limit of 5 loans of $50K each when I got started. Those limits have now increased and I’m all too happy to participate in more of these very safe, short-term loans. I’ve found Enact Partners to be very honest, communicative and helpful in every way. All it takes is a few hours of signing loan documents from DocuSign and wiring the funds per their instructions. I am most pleased with this arrangement and now consider it an important aspect of my investment portfolio. The loan payments and returned principal are automatically deposited to my checking account."
R.N.
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Enact Partners is a private real estate lender based in Carlsbad, California. Through our Fund, EP Guardian Fund, we provide real estate investors, developers and builders the capital they need to advance their real estate objectives by providing financing not available from traditional banks.
Associations
- California Mortgage Association
- American Association of Private Lenders
- San Diego County Farm Bureau
Office Locations
Enact Partners5927 Priestly Drive, Suite 206, Carlsbad, California 92008
Our Team
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Our Minimum Loan Amount Is
$250,000
What We Do
- Land and Agricultural Properties
- Vertical Construction
- Horizontal Land Development
- Specialty Commercial Real Estate
- Business-Purpose Acquisition/Refi/Cash out
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes
- No Cannibus-Use Properties