Institutional private credit,underwritten in-house.
Earn 9%–14% a year from short-term real estate loans that we originate, underwrite and service ourselves. Every dollar is secured by property. You can take the income as it is paid, or reinvest it and let it compound.
- Minimum:
- $100,000
- Target annual return:
- 9%–14%
- Paid:
- Monthly, quarterly or annually
- Security:
- Lien on real estate
Ace Capital Lending LLC is not a registered investment adviser, broker-dealer or funding portal. Nothing on this page constitutes investment advice or a recommendation to buy any security.
Interactive yield engine
See exactly what your capital does.
Preferred return tiers scale with commitment size. Choose a distribution schedule, set your hold period, and toggle reinvestment to compare cash flow against compounded growth — every figure below is produced by the same engine that governs our distribution schedules.
Capital Deployment
Estimate your returns
$500,000
Reinvest distributions
Compound instead of taking cash
Capital returned
$500,000
Cash distributions
$180,000
Quarterly cheque
$15,000.00
Effective annual yield
10.79%
Capital trajectory
Distributed — principal held flat, cash paid out
Illustrative only. Projections assume the selected preferred return is achieved and distributions are paid on schedule. A partial final period is not distributed. Actual results will vary and capital is at risk.
11.8%
Average across closed positions
0.00%
Across the realised track record
In-house
Origination, credit and servicing
Full file
Appraisals, rent rolls and title work — after you sign the NDA
What each level pays
The more you commit, the higher the rate we pay you. These are the four levels — no negotiation, no hidden schedule.
Core
9.0%
per year, paid to you net
From $100,000
Core Plus
10.5%
per year, paid to you net
From $250,000
Value Add
12.0%
per year, paid to you net
From $500,000
Opportunistic
14.0%
per year, paid to you net
From $2,000,000
Target rates, not guarantees. Your actual return depends on the performance of the underlying loans and property, and is set out in the offering documents for the position you fund. Ace Capital Lending LLC is not a registered investment adviser and does not provide investment advice.
Downside first
How your money is protected.
A high rate means nothing without knowing what stands behind it. Here is what does.
Secured by real property
Every position is backed by a recorded lien on a specific building — not an unsecured note or a share of a blind pool. If a borrower fails, the property is the recovery.
Conservative loan-to-value
We lend well below what a property is worth, so there is equity underneath your position absorbing the first loss before your principal is ever touched.
We service the loan ourselves
Payments come to us directly. We know the day one is late — not a quarter later through a third-party servicer — and we act on it immediately.
You see the whole file
Appraisals, broker price opinions, rent rolls, title work and the borrower credit file open to you before you fund anything. Nothing about the asset is withheld.
None of this eliminates risk. Real estate credit can and does produce losses, including loss of principal. Ace Capital Lending LLC is not a registered investment adviser, broker-dealer or funding portal and does not provide investment advice. Risk is disclosed openly in the offering documents rather than buried.
Track record
Realised positions, disclosed in full.
Closed transactions shown at their delivered net yield. Case studies are historical and are not offered for sale.
DSCR Rental Roll-Up — Hartford CT
9.8% net yield delivered across a 3-year hold. 0% loss rate.
Net yield delivered
9.8%
Loss rate
0.0%
Fix-and-Flip — Brownstone Rehab, Brooklyn NY
14.2% net yield delivered. Repaid in 11 months, zero principal loss.
Net yield delivered
14.2%
Loss rate
0.0%
Draw-controlled construction facility, resale exit.
Bridge Loan — 24-Unit Multifamily, Queens NY
11.5% net yield delivered to participants. 0% loss rate. Realised 2025.
Net yield delivered
11.5%
Loss rate
0.0%
Full cycle: origination to agency takeout in 19 months.
Subscription
Four steps. Nothing binding until the last one.
Telling us you are interested holds your place in the current round and starts your paperwork. You are not committed to anything until you sign and your money is called — and you can stop at any point before that.
- 1
Tell us what you are looking for
The amount you are considering, how often you want to be paid, and how long you can leave the money invested.
- 2
We confirm you qualify
A quick review of your accredited investor status, then we send you the full offering document to read.
- 3
You inspect the actual asset
Sign a standard confidentiality agreement and the complete file opens — appraisals, rent rolls, title work, the underwriting.
- 4
You fund, and the income starts
Your money goes into a specific loan or property, and distributions arrive on the schedule you chose.
Get started
Tell us what you are looking for
Questions
Answered before you ask.
The things investors actually want to know — fees, defaults, liquidity and how you get paid — without having to book a call first.
Would you rather just talk it through?
Most investors want a conversation before a form. Call or email the capital markets desk directly and we will walk you through the current opportunities, the numbers behind them, and whether this is a fit at all.