Funds active in the private lending market commingle the capital of investors into an investment vehicle and make loans according to pre-agreed parameters. Investors in funds have little or no say in specific loans their money is used to fund. Plus, smaller funds have administrative costs that at times can significantly reduce investor returns. Our program allows you to choose the specific loans in which you invest. With that, you can better define your “risk/return” profile for your particular investment portfolio. For example, certain investors prefer lower yielding first liens over higher yielding subordinate liens. Having your choice in loans, you have control in how you shape your investment portfolio over time. In addition, we do not take control of your funds. Your investment amount is wired directly to an escrow company which disburses on behalf of the lender group. The agreement within the lender group is clearly spelled out in our proprietary ‘Co-Lender Agreement’ that is signed by all investors in a particular loan. You have direct access to any material related to a loan including our underwriting, loan documentation, credit decision, etc.