Be the Bank:
Stop Chasing Yield. Start Earning It.
Generate consistent, double-digit returns with the security of first-lien real estate debt. High Peaks Capital offers a direct path to stable, collateral-backed income, free from public market volatility.
Targeting 10%+ Net Annualized Returns
Senior-secured, first-position liens
Diversified across borrowers, markets, and property types
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We’ll send you the overview deck directy to your email.
Accredited Investors Only. This is not an offer of securities.
THE PROBLEM
The Traditional Search for Income Is Broken
Today’s investors face a difficult choice: accept low yields in “safe” assets or expose their principal to the volatility of the stock market and the binary risks of equity syndications in real estate.
The Public Market Rollercoaster
When you rely on stocks and bonds for income, you’re strapped into a ride you can’t control. Market sentiment, not fundamentals, dictates your returns, forcing you to risk selling low just to meet income needs.
Income Volatility: Your cash flow is subject to unpredictable market swings.
Eroding Yields: After taxes and inflation, traditional bond yields often fail to meet your goals.
The Syndication Gamble
Direct real estate deals promise high returns, but they place your capital at the bottom of the stack. As an equity partner, you’re last in line to get paid, and your success is entirely dependent on a single operator’s business plan and perfect market timing.
Binary Equity Risk: If the project falters, your principal is the first to be lost.
Long Lockups & Illiquidity: Your capital is often tied up for years with no guarantee of success.
There’s a better way: Be the Bank.
High Peaks Capital sidesteps the risks of equity by putting you in the lender’s position. We don’t bet on appreciation; we generate income from contractually obligated loan payments. By focusing on senior-secured, short-term loans to experienced real estate professionals, we deliver steady, predictable income with built-in principal protection.
THE SOLUTION
How We Generate Secured, High-Yield Returns
Our strategy is built on three core pillars that address the shortcomings of traditional income investments:
First-Lien Security
Your investment is backed by a first-priority lien on the underlying real estate. In the event of a default, our claim is paid before any equity investors, providing a powerful layer of capital protection.
Principal protected by a primary claim on hard assets.
Priority position ahead of all equity investors.
Clear remedies to recover capital in case of default.
Stable Cash Flow
Bridge loan borrowers have regularly scheduled contractual payments providing consistent income to investors.
Predictable Cash Flow
Our returns are driven by contractually defined interest payments from borrowers, not speculative appreciation. This creates a consistent and reliable income stream distributed to our investors.
Contractual payments drive consistent investor returns.
No reliance on speculative market appreciation.
Regular distributions sent directly to you.
Stable Cash Flow
Bridge loan borrowers have regularly scheduled contractual payments providing consistent income to investors.
Diversification & Short Duration
Your capital is deployed across a carefully curated portfolio of loans, mitigating single-asset risk. With typical loan terms of 6-18 months, we limit exposure to interest rate fluctuations and market cycles.
Multiple loans mitigate single-asset concentration risk.
Varied markets and property types add stability.
Short terms (6-18 months) limit interest rate sensitivity.
Want to Learn More?
Request the fund summary to view the full overview deck.
REQUEST ACCESS
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We’ll contact you within 24 hours of your submission.
What others have to say:
Industry leaders recognize the benefits of investing in private credit.
Private credit can “positively fill lending gaps left by banks under Basel III and higher rates, provided there’s greater transparency [and] disciplined underwriting.”
The holy grail in investing is to get equity-like returns from a credit instrument. The best private credit managers have been able to do that.
The addressable market here is enormous… This is a sea change in how credit is being delivered to companies, and we’re still in the early innings.
Frequently Asked Questions
Features and objections you want to mention that aren’t outlined in the sections above.
What’s the Minimum Investment
Our minimum investment is typically $100,000 for accredited investors.
How can I acheive a higher return?
Fund investors will have opportunities to c0-invest directly into new loan originations of their choosing. Our typical note rate is 12-13%
How is this different from a REIT?
While both involve real estate, our fund is fundamentally different. Publicly-traded REITs are subject to stock market volatility. We are a private fund that originates loans directly, so your returns are based on loan performance, not market sentiment.
What happens if a borrower defaults?
Our underwriting is designed to minimize this risk. However, in a default scenario, our first-lien position gives us legal claim to the underlying real estate. We have multiple remedies to foreclose on the property and recover investor principal.
What are the fees?
We do not chare any management fees to investors. Investors will earn a preferred return of 7% and all excess cash flow will be split between the fund manager and investors. Borrowers will pay origination and other loan related fees directly to the manager.
How liquid is my investment?
Our fund is designed for investors seeking long-term income, and as such, it is an illiquid investment. Our loans have short durations (typically 6-18 months), which provides more liquidity than long-term equity holds, but you should not invest capital that you may need in the short term. Our lockup period is 18 months.
A note from the Founders
After years in both traditional finance and real estate investing, we saw countless investors being forced to choose between unacceptable risk and underwhelming returns. We founded the High Peaks Capital Private Credit Fund to create the solution we were looking for ourselves: a straightforward, transparent way to earn attractive, asset-backed income.
Our model is simple. We provide short-term financing to proven real estate operators who are underserved by traditional banks. This creates a high-yield opportunity for us, which we pass on to our investors.
We are not venture capitalists chasing moonshots. We are disciplined lenders focused on capital preservation and predictable cash flow. Our success is directly aligned with yours—we only succeed when you do. We invite you to learn more about our process and how we can help you achieve your financial goals.
Important Notice
Disclosures
For Accredited Investors Only.
The information contained on this website is for informational purposes only and does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, nor does it constitute an offer to provide investment advisory or other services by High Peaks Capital (“the Company”). An offer to invest in any investment fund managed by the Company will be made only by the respective confidential private placement memorandum, subscription agreement, and other related documents of such fund, which should be read in their entirety. Any investment in a fund is speculative and involves a high degree of risk.
General Risk Factors
Investing in a fund focused on private real estate credit involves significant risks, and you should be prepared to bear the risk of a complete loss of your investment. Before making an investment decision, prospective investors should carefully consider, with their legal, tax, and financial advisors, the appropriateness of the investment in light of their own circumstances and financial condition. The following is a summary of some of the risks involved; it is not intended to be a complete list.
- Borrower Default Risk: The primary risk is that borrowers may fail to make their loan payments or repay the principal amount. A borrower’s default could result in delays in payments to the fund and, in some cases, a partial or total loss of the invested principal on that loan, which would negatively impact investor returns.
- Real Estate Market and Collateral Risk: The value of the real estate securing the loans is subject to fluctuations in the real estate market. A decline in property values could result in the collateral being worth less than the outstanding loan balance. In the event of foreclosure, the fund may not be able to recover the full amount of the loan, leading to a loss.
- Illiquidity of Investment: An investment in the fund is an illiquid investment. Unlike publicly traded securities, there is no public market for the shares or interests in the fund, and none is expected to develop. Investors may not be able to sell or redeem their interests and should be prepared to hold their investment for the duration of the fund’s term.
- Interest Rate Risk: The fund’s performance may be adversely affected by changes in interest rates. If interest rates rise, the value of the fund’s existing fixed-rate loans may decline. Furthermore, rising rates could increase the risk of default for borrowers with variable-rate loans or those seeking to refinance.
The information on this website is not intended to be, and should not be construed as, legal, tax, or investment advice. The Company does not represent that the securities, products, or services discussed on this website are suitable for any particular investor. You are urged to consult with your own advisors concerning the legal, tax, and financial implications of any investment.
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Phone
315-558-8332
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This website does not constitute an offer to sell, nor a solicitation of an offer to buy, any securities, nor shall it form the basis of, or be relied on in connection with, or act as an inducement to enter into, any contract or commitment whatsoever. No such offer or solicitation will be made prior to the delivery of definitive documentation relating to such investment. The information on this website does not constitute an offer of, or the solicitation of an offer to buy or subscribe for, any securities to any person in any jurisdiction to whom or in which such offer or solicitation is unlawful. Past performance is not an indicator of future performance. All investments are subject to risk, including the possible loss of principal.
The information on the website may include historic results of certain investments made by officers of High Peaks; however, past performance is no guarantee of future results. Historic returns may not reflect actual future performance, may not reflect potential deductions for fees which may reduce actual realized returns. All investments offered by High Peaks involve risk and may result in loss.
Some of the statements contained on the High Peaks website may contain forward-looking statements. You should not rely upon forward-looking statements as predictions of future events. These statements involve known and unknown risks, uncertainties, and other factors that may cause an investment’s actual results, levels of activity, performance, or achievements to be materially and adversely different from those expressed or implied by these forward-looking statements. Forward-looking statements may be identified by terminology such as “may,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “targeted,” “projected,” “underwritten,” “estimates,” “predicts,” “potential,” or “continue” or the negative of these terms or other comparable terminology. Although High Peaks believes that the expectations reflected in the forward-looking statements are reasonable, guarantees of future results, levels of activity, performance or achievements cannot be made.
Investments in private placements involve a high degree of risk and may result in a partial or total loss of your investment. Private placements are generally illiquid investments. Investors should consult with their investment, legal, and tax advisors regarding any private placement investment.
High Peaks Capital Securities LLC is an affiliate of High Peaks Capital LLC. All members of High Peaks Capital Securities, LLC are registered representatives. Securities offered through Stonehaven, LLC – Member FINRA/SIPC. Regulatory disclosures: Disclaimers & Risks, Privacy Policy and Form CRS
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