Enact Partners

Featured Loan!

A reputable , with over three decades of experience in constructing thousands of homes across California, Texas, and Idaho, has teamed up with Enact Partners to speed up the construction process of their latest community project in Idaho. The project is in a thriving city, only 15 minutes from Boise, and involves building homes in a newly approved gated community with pre-sold lots. Prospective homeowners select their preferred model, and the builder uses Enact Partners’ to construct their dream home while preserving their capital balance. By utilizing Enact Partners’ funds for this project, the borrower can use their own to start another home or to invest in another opportunity. This is another instance of how debt can assist borrowers in expanding their portfolio.

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Boise, ID See how Enact Partners has helped clients in Boise, ID achieve their financing goals. Check out our portfolio page for more information.

Growing a business often requires a significant infusion of for improving facilities, acquiring or building out new properties, or even funding initial operations. Though a daunting prospect for many , with strategic planning and the right , achieving expansion goals without the borrower or taking on excessive financial risk is possible.

Enact Partners recently worked with a business owner who was looking to grow his restaurant chain to include multiple venues in California. Let’s explore how he leveraged debt and used his existing restaurants as collateral and equity to secure .

Experience + Equity + the Right Lending Partner = Opportunity With strategic planning and the right financing partner, achieving expansion goals without the borrower or lender taking on excessive financial risk is possible.

Featured Loan!

A seasoned came to Enact Partners seeking a short-term on a multifamily property made up of four individual cottages on one parcel. They had subdivided the property into four parcels and listed them for sale. The ran into problems when the lender would not approve partial releases for the sale of individual units, so we stepped in for a rapid closing. This allowed our borrower to begin selling the units and cash-in on the investment within 13 days of the initial request.

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Oakland, CA See how Enact Partners has helped clients in Oakland, CA achieve their financing goals. Check out our portfolio page for more information.

Enact Partners recognizes the intrinsic value of developing and maintaining strong relationships with our clients. It’s a priority that transcends the transactional nature of . Our goal is to develop a sense of trust and collaboration with so we can work together to mitigate risk, help them seize opportunities, and ultimately drive the success of their projects.

Learn more about how we develop relationships with our borrowers on our blog below!

The Power of Relationships in Private Lending By prioritizing trust, communication, and long-term partnerships, Enact Partners has become a trusted ally invested in the success of clients, and in today’s ever-changing lending environment, that’s critically important.

Featured Loan!

Needing cash to pay down a debt on a separate property in another state, the came to Enact Partners for quick capital on a tight deadline. Enact Partners’ will be secured by a retail asset in Houston, TX that the borrower owns free-and-clear. It’s anticipated that this will be a short-term loan, but ideally it will be a long-term working relationship for all parties.


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Houston, TX See how Enact Partners has helped clients in Houston, TX achieve their financing goals. Check out our portfolio page for more information.

Even with stringent procedures in place, can sometimes run into unforeseen challenges when funding projects. Unlike how banks often seem, Enact Partners actually wants to fund projects. Borrower success is how we grow, which means we work hard and creatively to support borrower needs. When borrowers win, Enact Partners wins, and our win.

That said, not all projects or borrowers are created equal. To protect against “bad loans,” Enact Partners uses a thorough checklist of qualities we look for in borrowers, their projects, and the overall situation. This includes items such as appraisals, property inspections, background checks, credit reports, and anything else thought necessary to mitigate risk. Through meticulous due diligence, our goal is to ensure loan repayment, which typically depends on projects being successful and/or borrowers putting up enough collateral to mitigate risk. Learn more on our blog below!

Due Diligence Pays Off for Borrowers, their Projects, and Investors Not all projects or borrowers are created equal. As part of due diligence, Enact Partners uses a thorough checklist of qualities we look for in borrowers, their projects, and the overall situation.

Featured Loan!

Enact Partners provided a of $892,000 on a modern, secluded residential property with a special use consisting of more than 6,000 square feet of luxury on more than 32 acres of land adjacent to the San Jacinto mountains. The residence is an inpatient rehabilitation facility run by a successful operator with multiple locations across the country. Built in 2008, the property consists of five bedrooms and seven bathrooms arranged in an open floor plan featuring private suites, a pool, and spa. Loan proceeds were used to pay off unsecured lenders and for to quickly recapitalize their equity investment.

Enact partners Commercial Bridge Loan - Banning, CA Enact Partners provided a refinance loan on a modern, secluded residential property with a special use on more than 32 acres of land adjacent to the San Jacinto mountains.

For commercial , securing for can be challenging. Most traditional do not fund horizontal construction. They prefer to fund vertical construction, which is primarily putting up buildings, because with vertical development the value increase to a project is more immediately visible and calculable.

Enact Partners recognizes how crucial horizontal construction—which includes infrastructure improvements such as roads, utilities, and landscaping—is to preparing land for development. Our specialized horizontal construction loans help bridge the gap from the acquisition of raw land to vertical construction by helping borrowers develop buildable lots.

Learn more on our blog below!

How Horizontal Construction Loans Bridge the Gap from Raw Land to Buildable Lots Specialized horizontal construction loans from Enact Partners help bridge the gap from the acquisition of raw land to vertical construction by helping borrowers develop buildable lots.

Featured Loan!

A previous approached Enact Partners with an opportunity to purchase land for future construction of a single-family home. Despite the financing challenges posed by the purchase of vacant land with a looming closing date in a fairly rural location, we swiftly provided the funding needed for the borrower to secure the land. Impressively, we were able to underwrite this purchase in just 17 days, from the signed term sheet to the closed loan.

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Loomis, CA See how Enact Partners has helped clients in Loomis, CA achieve their financing goals. Check out our portfolio page for more information.

The idea of using debt as a tool for wealth creation often sparks skepticism and caution. It seems counter intuitive. How can someone create wealth by going into debt?

Enact Partners works with many and who know that debt, when wielded intelligently, can be a powerful asset for diversifying and maximizing returns. Borrowing “from Peter to pay Paul” can in fact open doors to lucrative opportunities and financial growth when done strategically.

Learn on our blog below!

Utilizing Debt as A Strategic Tool for Wealth Creation Enact Partners works with many real estate investors and borrowers who know that debt, when wielded intelligently, can be a powerful asset for growing wealth.

Recently funded!

After being unable to secure a through their regular , the found Enact through Google and reached out to us directly. They needed quick financing due to construction restrictions in Lake Tahoe, which only allows building activities during a specific “build season” from May 1st to October 15th. The property, located in South Lake Tahoe, CA, consists of two adjacent parcels totaling 0.75 acres and is permit-ready for a 14-unit townhome development. Enact will exclusively provide financing for the horizontal construction phase. Once completed, the property will feature 8 3-bedroom, 3.5-bathroom units and 6 4-bedroom, 3.5-bathroom units. Our loan will be refinanced with a vertical construction loan to complete the construction of the 14 units.

Learn more - https://hubs.li/Q02Bnzds0

Our relationship with our clients is important to us! enjoy streamlined communication with a designated point of contact, ensuring transparency from application to approval.
See what some of our clients have to say below!

Changes to have made it easier for property owners to add accessory dwelling units ( ) to their properties by streamlining permitting and reducing or eliminating certain requirements for parking, setbacks, and various impact fees. Previously, some of these processes might delay a project for years, often making it unfeasible. But under this new law, projects are deemed “approved by right” so long as they meet certain standards described in the statute.

As a result, owners may be able to generate additional income by adding one or more ADUs such as a granny flat, casita, guest house, or mother-in-law suite.

ADUs: Turn SFR into 8 Units Strategically Recent changes to California law have made it easier for property owners to add accessory dwelling units (ADUs) to their properties by streamlining permitting and reducing or eliminating certain requirements for parking, setbacks, and various impact fees.

A veteran who specializes in workforce housing projects across the country purchased this vacant hotel property with the intention of converting it into workforce housing. After completing multiple preliminary renovations such as the addition of a new roof and asbestos removal, Enact Partners worked with the to fund the remaining rehabilitation costs. This allowed the borrower to bring his vision to fruition. The final product will consist of more than 75 furnished studio apartments, each with their own amenities.

Learn more - https://enactpartners.com/portfolio/abilene-tx/

Risk vs. Reward: Different Ways to Invest in

With all the volatility in the stock market, bond market, and banking industry these days, more than ever, investors are looking for investment opportunities that are trustworthy, stable, and that perform well.

Real estate is a historically stable . While there are ebbs and flows in property values, the old truism “they aren’t making more land” stands the test of time.

Risk vs. Reward: Different Ways to Invest in Commercial Real Estate - Enact Partners With all the volatility in the stock market, bond market, and banking industry these days, more than ever, investors are looking for investment opportunities that are trustworthy, stable, and that perform well - like real estate.

Enact Partners recognizes the intrinsic value of developing and maintaining strong relationships with our clients. It’s a priority that transcends the transactional nature of lending. Our goal is to develop a sense of trust and collaboration with so we can work together to mitigate risk, help them seize opportunities, and ultimately drive the success of their projects.

The Power of Relationships in Private Lending By prioritizing trust, communication, and long-term partnerships, Enact Partners has become a trusted ally invested in the success of clients, and in today’s ever-changing lending environment, that’s critically important.

Featured Loan!

An experienced restaurant owner-operator in Pacifica, CA had a chance to expand their business to a second location in Sacramento, CA. They bought a 10,000 sqft retail building in mid-2021 and spent $2.5MM of their own capital to transform it into a Hot Pot restaurant. With the new, larger restaurant ready to open, the borrower approached Enact Partners to recoup a portion of the capital they invested in the purchase and renovations. Our team provided the borrower with the necessary cash to open their newest location and get operations running at full capacity. To secure our position and ensure the borrower received the desired loan amount, they used additional investment properties as collateral.

Sacramento, CA See how Enact Partners has helped clients in Sacramento, CA achieve their financing goals. Check out our portfolio page for more information.

This year, we've discussed how volatility in interest rates and uncertainty in the banking system are making traditional banks increasingly reluctant to lend for business purposes, particularly for land purchases, construction, agriculture, multi-family construction loans, and commercial real estate. Many banks are seeking any reason to avoid such loans, putting builders, developers, and investors in a difficult position. As a private lender, Enact Partners confidently finances business-purpose loans, relying on the merits of each unique project and the borrower, rather than market conditions or the Federal Reserve, to inform our decisions.

Learn more in our blog below!

Enact Partners Helps Borrowers Avoid the Top Risks of Bank Financing While banks are looking for any reason NOT to lend for business purposes, Enact Partners offers a reliable, flexible, and stable alternative. We continue to lend on commercial real estate projects with solid fundamentals.

Featured loan!

A triad of with a desire to expand their portfolio approached Enact Partners intending to purchase an industrial property located in the city of Corona, California. The purchase was complicated by the fact that the only tenant was planning to vacate the property within 90 days, and the had a small window to close the deal. With these factors, traditional through a bank was not a viable option. The investors opted to make an upfront investment to undertake modest upgrades on the property to attract new long-term tenants with increased rents. Their long-term strategy is to refinance the loan with a conventional lender within a year of purchase, after obtaining solid tenants.

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Corona, CA See how Enact Partners has helped clients in Corona, CA achieve their financing goals. Check out our portfolio page for more information.

Growing a business often requires a significant infusion of capital for improving facilities, acquiring or building out new properties, or even funding initial operations. Though a daunting prospect for many entrepreneurs, with strategic planning and the right , achieving expansion goals without the or taking on excessive financial risk is possible.

Enact Partners recently worked with a business owner who was looking to grow his restaurant chain to include multiple venues in California. Let’s explore how he leveraged debt and used his existing restaurants as collateral and equity to secure financing.

Experience + Equity + the Right Lending Partner = Opportunity With strategic planning and the right financing partner, achieving expansion goals without the borrower or lender taking on excessive financial risk is possible.

A seasoned , with decades of experience spanning California, Texas, and Idaho, has joined forces with Enact Partners to expedite construction for their latest Idaho community, just 15 minutes from Boise. Offering homes in a newly approved gated community with pre-sold lots, prospective homeowners can choose their desired model, while the builder utilizes Enact Partners' loan to construct their dream home, preserving their capital.

Contact us now to explore loan inquiries and unleash the potential for portfolio expansion!

Boise, ID See how Enact Partners has helped clients in Boise, ID achieve their financing goals. Check out our portfolio page for more information.

The idea of using as a tool for wealth creation often sparks skepticism and caution. It seems counter intuitive. How can someone create wealth by going into debt?

Enact Partners works with many and who know that debt, when wielded intelligently, can be a powerful asset for diversifying and maximizing returns. Borrowing “from Peter to pay Paul” can in fact open doors to lucrative opportunities and financial growth when done strategically. Learn more in our blog below!

Utilizing Debt as A Strategic Tool for Wealth Creation Enact Partners works with many real estate investors and borrowers who know that debt, when wielded intelligently, can be a powerful asset for growing wealth.

Featured Loan!

A veteran who specializes in workforce housing projects across the country purchased this vacant hotel property with the intention of converting it into workforce housing. After completing multiple preliminary renovations such as the addition of a new roof and asbestos removal, Enact Partners worked with the to fund the remaining rehabilitation costs. This allowed the borrower to bring his vision to fruition. The final product will consist of more than 75 furnished studio apartments, each with their own amenities.

Learn more about this - https://enactpartners.com/portfolio/abilene-tx/

An experienced restaurant owner-operator in Pacifica, CA had a chance to expand their business to a second location in Sacramento, CA. They bought a 10,000 sqft retail building in mid-2021 and spent $2.5MM of their own capital to transform it into a Hot Pot restaurant. With the new, larger restaurant ready to open, the approached Enact Partners to recoup a portion of the capital they invested in the purchase and renovations. Our team provided the borrower with the necessary cash to open their newest location and get operations running at full capacity. To secure our position and ensure the borrower received the desired loan amount, they used additional investment properties as collateral.

Sacramento, CA See how Enact Partners has helped clients in Sacramento, CA achieve their financing goals. Check out our portfolio page for more information.

While ( ) have gained significant traction in California as both an and one way to help ease the housing crunch, it’s important to recognize that ADUs are not confined to the Golden State alone. ADUs are emerging as valuable development and investment tools nationwide for owners, , and . In fact, Enact Partners has worked with investors in California and other states to turn single-family homes into multiple units that generate additional income.

State-By-State: Giving ADUs Another Look In Tight Housing Market How the states in which Enact Partners does business are giving Accessory Dwelling Units (ADUs) another look in this tight housing market.

specializes in expediting loan funding and offers versatile financing solutions tailored for purchasing, refinancing, or developing properties for business use. Borrowers enjoy streamlined communication with a designated point of contact, ensuring transparency from application to approval.
See what some of our clients have to say below!

Featured loan!

The Enact Team was approached by a reliable (Innovative Capital Corporation) whom they had worked with on previous loans. The lender proposed we participate in a bridge loan with them and a current borrower to convert two non-operational hotels located in downtown Palm Springs into a rehabilitation facility. This project had been in progress for 18 months, and more phases were yet to come. Once the construction work is complete, and the facility starts to house patients, the will seek permanent financing. The motels were purchased over ten years ago, but at the time, they were not operational for hospitality services. The company planned to open the facilities two years after acquiring them, but they were unable to secure funding beyond internal fundraising to carry out the intended renovations. After pausing for a few years, the company aligned with key members to organize and facilitate this large project. They then approached our lending partners for , who provided funding for the first two phases of the project. For the third phase, Enact was thrilled to take on the challenge of bringing this dream to reality, even though the project was mid-construction, and there were inherent risks in lending on such a property. Enact Partners participated in the loan 50/50 with a lending partner (Innovative Capital).

Palm Springs, CA See how Enact Partners has helped clients in Palm Springs, CA achieve their financing goals. Check out our portfolio page for more information.

Growing a business often requires a significant infusion of for improving facilities, acquiring or building out new properties, or even funding initial operations. Though a daunting prospect for many entrepreneurs, with strategic planning and the right , achieving expansion goals without the or taking on excessive financial risk is possible.

Enact Partners recently worked with a who was looking to grow his restaurant chain to include multiple venues in California. Let’s explore how he leveraged debt and used his existing restaurants as collateral and equity to secure financing.

Learn more on our blog below!

Experience + Equity + the Right Lending Partner = Opportunity With strategic planning and the right financing partner, achieving expansion goals without the borrower or lender taking on excessive financial risk is possible.

Featured Loan!

A reputable , with over three decades of experience in constructing thousands of homes across California, Texas, and Idaho, has teamed up with Enact Partners to speed up the construction process of their latest community project in Idaho. The project is in a thriving city, only 15 minutes from Boise, and involves building homes in a newly approved gated community with pre-sold lots. Prospective homeowners select their preferred model, and the builder uses Enact Partners’ to construct their dream home while preserving their capital balance. By utilizing Enact Partners’ funds for this project, the can use their own capital to start another home or to invest in another opportunity. This is another instance of how debt can assist borrowers in expanding their portfolio.

Learn more -

Boise, ID See how Enact Partners has helped clients in Boise, ID achieve their financing goals. Check out our portfolio page for more information.