Passive real estate investment · USA

Put your capital to work in real estate
loans in the USA

Invest in USD with target returns of 9% to 11% annually, backed by selected real estate operations across the United States. 100% passive management.

Calculate returns → View projects
Live · Refinancing
417–421 South St
Philadelphia, PA · USA
9.5–10.2%
Target yield
12 months
Term
Generating today
+ USD 0.00
9–11%
Target annual return in USD
+USD 30M
Capital funded since 2019
+25
Completed operations
LTV 65%
Maximum over appraisal
A different way to invest

No buying properties.
No managing tenants.
No overseeing construction.

✗
No properties
You don't need to buy or own any real estate. Your capital funds the loan; the asset acts as collateral — not your responsibility.
✓ You lend, the property guarantees
✗
No tenants
No lease agreements, unpaid rent, or occupancy management. You receive interest in USD according to the loan schedule.
✓ Interest defined per operation
✗
No operational work
Smart Lending structures, analyzes and monitors every loan. You contribute capital and collect the return. 100% passive.
✓ Management delegated to the team
Real assets in the USA

Private capital
financing real
construction.

In the U.S., developers need agile capital that traditional banks can't provide. Smart Lending fills that gap, allowing private investors to access the yield.

2–4 wks.
Closing time
LTV ≤ 65%
Minimum coverage
FICO 650+
Borrower score
Calculate your return

How much can your
capital earn?

Adjust the amount and term. Target rates are 9–11% annually in USD.

Investment amountUSD 50,000
Term
Target rate
Target rate
10% annually
Est. annual interest
USD 5,000
Total interest
USD 5,000
You receive at maturity USD 55,000
View active projects → Talk to the team

Illustrative estimate at 10% annually. Subject to performance of each operation (target range 9–11%). Does not guarantee future results.

Active Projects

Ongoing operations.
Open funding.

View all →
102 Lee Blvd
Completed · Construction Loan 10.5% USD
Lehigh Acres, FL · USA
102 Lee Blvd
LTV (ARV): 32%
Amount
USD 600K
Rate
13% p.a.
Term
12 months
Loan progress100% completed
More information
417–421 South St
Loan in progress · Refinancing 9.5–10.2% USD
Philadelphia, PA · USA
417–421 South St
Commercial building · In operation · Snipes + Regus as tenants · LTV: 65%
Amount
USD 4.3M
Rate
11% p.a.
Term
12 months
Loan progress50% completed
More information
How it works

Simple.
Passive.
In dollars.

Your capital enters the loan. The loan funds the developer. The developer pays interest. You receive the return.

Calculate return →
01
You choose an operation
Review the terms: target return, term, LTV and guarantees. If it works for you, confirm your participation.
02
You contribute your capital
Your investment enters the loan. Target rate, term and repayment schedule are defined before closing.
03
You collect interest in USD
Per the agreed schedule: prepaid at closing, monthly, or at maturity.
04
Capital returned at maturity
At maturity, capital is returned per the agreed terms. No management or operational decisions on your part.
Your capital, protected

Four layers of
protection per operation.

65
Layer 01 · First-position mortgage
LTV 65%
Absolute collection priority over the property in case of default. Maximum LTV over independent appraisal.
650
Layer 02 · Minimum credit score
FICO 650+
Verified personal guarantees from the borrower. Minimum score validated before each operation closes.
LAYER 03
Independent appraisal
Professional independent valuation, local market analysis and exit strategy defined before closing.
LAYER 04
Conservative underwriting
We prioritize capital preservation. Structures designed to protect first. Additional borrower guarantees are required.
Track record

Six years.
Real results.

Since 2019, operating with zero capital loss across all completed operations, in the highest-demand U.S. markets.

9–11%
Target annual return in USD
+25
Completed operations
30M
USD capital managed
6
Years in the U.S. private credit market
Frequently asked questions

Everything you need to know
before investing.

Your capital enters the loan. The borrower pays interest per the agreed terms. You receive those interest payments in USD according to the schedule defined before closing. At the end of the term, capital is returned per the operation's terms.
A real U.S. property, appraised by an independent professional, with a first-position mortgage in your favor. Maximum LTV 65% — meaning the property is worth significantly more than the loan. In case of default, you have priority collection over the asset.
It depends on the operation structure. Some pay interest prepaid at closing, others monthly, and others at maturity. The exact schedule is defined before you confirm your participation.
You hold a first-position mortgage on the property: absolute collection priority before any other party. The conservative LTV ensures the asset is worth much more than the loan. Additionally, the borrower provided verified personal guarantees with a minimum FICO 650+ score.
No. This is a completely passive investment. You don't buy the property, you have no tenants, and you make no operational decisions. Smart Lending manages everything. You contribute capital and collect the return.
The minimum amount depends on the operation. We generally work from USD 50,000. Contact us to learn about available operations and current ticket sizes.
Each investor signs a Servicing Agreement with Smart Lending Capital detailing their participation terms. Investments are also backed by documentation tied to the loan and the corresponding mortgage guarantee.
Private loans typically offer more flexibility and execution speed than traditional banks. They're commonly used for refinancing, property acquisition, renovations, construction, or projects requiring faster response times while working toward a long-term financing solution.
Your capital works in the USA

Start collecting
interest in dollars.

Selected operations. Mortgage guarantee. 100% passive management. Target return 9–11% annually in USD.

I want to invest → View active projects

Returns are targets and subject to the performance of each operation. Does not guarantee future results. Does not constitute a public securities offering.