Private Capital for Real Estate Entrepreneurs
Borrow with us to fund great deals, fast.
Invest with us to build passive income, secured by real estate.
Now lending in Utah, Texas and Colorado
Connecting Private Capital with Real Estate Operators.
We operate in the space between banks and hard money lenders - focusing on high-quality deals that just miss bank approval, but don’t quite belong in high-risk hard money pools. We understand the gap.
SPL helps investors put their capital to work—earning passive income while diversifying beyond the stock market, without flipping houses or managing rentals. We match their capital with entrepreneurs who need funding for strong real estate deals that don’t quite fit traditional bank standards—while carefully mitigating risk through disciplined underwriting and a focus on stable, income-producing asset classes.
We lend to experienced operators pursuing income-producing or owner-occupied properties. We make bridge loans that include cash-out refinances—situations where speed, flexibility, or deal structure make bank financing impractical, even when the fundamentals are strong.
We focus on stable, income-producing asset classes and apply a strategic, experience-driven framework to select only the best opportunities - balancing downside protection with fast execution.
BORROWERS
Flexible funding. Fast Closings. No bank hoops to jump through.
Our borrowers are experienced real estate operators who narrowly miss conventional lending criteria – not because the deal is weak, but because bank standards are inflexible. We focus on deals with strong fundamentals – responsible leverage, a clear exit strategy, and sponsors we trust.
What borrowers can expect from us:
Speed
Flexibility banks can’t offer
No personal guarantees
Interest only loans
Interest rates that fall between bank pricing and hard money
No appraisals
How It Works: Borrowers
Step 1
New Borrower Application
Start by filling out our no-commitment New Borrower Application. We’ll review your real estate experience, credit history, and financials. Unlike a traditional bank, our focus is on the strength of the deal and your ability to execute.
Step 2
Request a Loan
Once approved, you’ll move on to the Loan Request stage. You’ll submit property details, a project budget, your desired loan structure (such as a bridge or cash-out refinance), and your expected closing timeline.
Step 3
Receive a Term Sheet
We’ll review your request and issue a custom term sheet outlining your loan amount, rate, fees, down payment, and expected closing timeline. Our process is built to get you funded quickly—so you can focus on the project, not the paperwork.
Step 4
Close & Fund
Once the term sheet is accepted, we’ll finalize due diligence, prepare loan documents, and coordinate closing. Most deals fund within days—so you can move forward with confidence and speed.
Investors
Earn fixed returns, secured by real property.
We offer qualified private lenders fixed, double-digit returns through short-term real estate loans secured by first-position deeds. Each deal is carefully vetted and backed by strong collateral, clear terms, and a defined exit – providing protection and consistent monthly income.
What investors can Expect from Us:
Access to carefully vetted, high-quality real estate deals
Short-term commitments
Double-digit annual returns, paid monthly
Every deal is secured by real estate, with investors in a first-position lien
How It Works: Investors
Step 1
Join the Investor List
Start by signing up to receive access to available deals. Once you're on the list, we’ll text and email you when a vetted opportunity makes it through our underwriting process.
Step 2
Review & Commit
When a deal fits your goals, you can review the terms and submit a simple commitment sheet to reserve your allocation.
Step 3
Fund & Sign Docs
Once committed, you’ll wire your funds and sign closing documents for that specific deal—no blind investing, no pooled capital.
Step 4
Receive Monthly Payments
You’ll begin receiving fixed monthly interest payments—typically targeting 10–12% annual returns, secured by a first-position lien on real estate.
Meet the team
The SPL team brings deep experience in banking, finance, real estate, and law — giving us the insight to evaluate risk with discipline and deliver strong, consistent outcomes for our investors.
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Larry Scott
Director of Risk and Underwriting
Larry brings nearly 30 years of banking experience, including roles as Chief Credit Officer, President, and CEO. He’s also a seasoned entrepreneur with a track record of building and operating successful businesses across multiple industries. At SPL, Larry leads underwriting, property valuations, and overall risk management — drawing on decades of leadership to protect investor capital and support sound lending decisions.
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Samantha Scott
Chief Operating Officer
Samantha is an experienced business lawyer, commercial real estate banker, and successful entrepreneur. She brings a sharp understanding of legal structure, financial risk, and deal execution. At SPL, she leads compliance, loan documentation, and title review — ensuring each transaction is secure and structured to protect investor interests.
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Hilary Nielsen
Director of Finance & Loan Servicing
Hilary has a background in commercial real estate and corporate finance, with experience at Wells Fargo, General Electric, and Bank of Oklahoma. She is also a successful entrepreneur, having run her own financial services business for over a decade. At SPL, Hilary oversees loan servicing and financial reporting, ensuring investors receive timely payments and accurate updates throughout the life of each loan.
Ready to get started?
Whether you’re looking to invest or secure funding, SPL makes it easy to take the first step. Choose your path below.