At Providence Capital Group our investment strategy leverages the current liquidity constraints in the real estate market, offering a well-structured solution for developers and investors in need of capital. As traditional lenders scale back, we step in with a straightforward approach: providing real estate-backed loans that are targeted, competitive, and aligned with market demands.
We pursue six key types of investments:
01
Residential Loan Refinance
02
Spec Build & New Development
03
Multi-Unit Fix & Flip
04
Traditional Bridge Loan Financing
05
Loan Guaranty
06
Multi-Family Development
We selectively lend in regions where the local economy is strong and demand for residential real estate remains high. These high-growth areas are resilient to market fluctuations, ensuring that our investments are supported by stable and growing economic activity. By focusing on these regions, we position ourselves to capitalize on enduring demand, even in the face of rising interest rates and broader economic challenges.
Our strategy excels in markets where competition among private lenders is low, particularly within the Mountain West. We concentrate on loans ranging from $5 million to $25 million—a segment often overlooked by both individual investors and larger funds. This focus allows us to secure higher yields while maintaining favorable loan-to-value (LTV) ratios, providing our investors with strong returns from a market niche that offers both opportunity and stability.
Sources of deal flow
Loan Broker / Lender Referral
0%
Real Estate Broker Referral
0%
Mortgage Lenders
0%
Referrals
0%
Repeat Borrowers
0%
We work exclusively with seasoned developers and builders who have demonstrated success with projects similar to those we finance. By partnering with experienced professionals, we ensure that our loans are supported by capable hands, reducing the likelihood of project delays or failures.
A key element of our high internal rate of return (IRR) is our interest structure. We require prepaid interest and guarantee a minimum interest amount over the loan term, regardless of early repayment. This approach not only enhances our returns but also provides our borrowers with greater financial flexibility by alleviating the pressure of monthly payments. Our model is designed to be mutually beneficial, supporting both our financial goals and the cash flow needs of our borrowers.