Private credit funds
Highest leverage.
Priced for speed.
We take your deal to the capital that wants it — and let the market compete. On the projects we believe in, we co-invest beside you.
Same deal. Three lenders. Three definitions of “best.” Pricing on request.
Highest leverage.
Priced for speed.
Certainty of execution.
Few surprises at the table.
Sharpest rates.
Tightest credit box.
We capitalize a certain kind of real estate — design-led, wellness-oriented, energy-efficient — from raw land to stabilization, across debt and our own co-invested equity. We're open on where the money comes from and selective on the project we back.
Architecture that earns a premium and holds it. Product with a point of view, not spec-built to the median.
Passive House, LEED, WELL, or a credible efficiency spec. Efficiency as infrastructure, not a marketing badge.
A program built around how people actually live — light, air, materials, calm. Beauty used as strategy.
Sponsors who measure value across time, not at the closing table. The way we underwrite our own developments.
We capitalize assets, not just deals.
JOGA Financial structures the same capital stacks it builds for its own developments.
Most deals need financing before they need a partner. We place the debt across the whole market — and on projects that fit the mandate, we come in beside you as a principal.
Qualify on the property's rent, not your tax returns. Long-term financing for stabilized rentals and short-term rental portfolios.
Short-term capital when the clock matters — an auction, a 1031 window, a lender who fell through a week before closing.
Purchase plus rehab, funded in draws. Sized against your after-repair value, so the budget doesn't come out of pocket.
Vertical construction financing on a draw schedule. Structured around permits, GC contract, and a credible exit.
Ranges are indicative and vary by lender, sponsor experience, market, and property. Nothing on this page is an offer of credit or a commitment to lend.
On projects that fit the mandate, JOGA comes into the deal as a co-sponsor — our own capital beside yours, the structuring, and where it's warranted, the loan guaranty. We earn the way a principal earns: on the work, the risk, and the outcome.
JOGA participates as a principal and co-sponsor for its own account. Nothing on this site is an offer to sell or a solicitation to buy any security, or an offer to raise or place investor capital.
Everything we place is for business, commercial, or investment purposes. If you're going to live in the property, we're the wrong shop — and you'll hear that on the first call, not the week before closing.
If your loan does one of these, it's a deal we can take to market.
Primary residences. Second homes. Any property you or your family occupy or intend to occupy. Any portion of proceeds used for personal, family, or household purposes — including debt you carry personally.
We do not arrange consumer-purpose residential mortgage loans. Every borrower certifies the business purpose and non-occupancy of the property in writing before we take a file to market, and the certification is only as good as the facts behind it.
Address, purchase price, rehab budget, after-repair value, and how you plan to exit. That's enough to start. If you're missing a number, we'll help you find it.
We know which lenders are aggressive this month, which ones just tightened, and which ones will actually fund a ground-up in your submarket. We take the deal to the ones that fit.
Real term sheets, side by side, with our fee disclosed on each. You pick. We manage the file through diligence, draws, and closing.
Theirs. When your deal doesn't fit their credit box, the answer is no — and you start over.
We get paid to place your deal, and you should know how before you sign anything. Our compensation is disclosed in writing on every term sheet we present — the amount, who pays it, and how it affects your rate. If a lender you could reach directly beats our best placement net of our fee, we'll tell you that too.
Lenders size a loan two ways at once — against what you're into it for, and against what it'll be worth. The lower number wins. Here's yours.
Cost caps this loan before value does. Raising your ARV won't get you more proceeds — lowering your basis will. Lenders will lend against 70.0% of value here, which is $1,225,000.
Illustrative arithmetic only, using representative program parameters. Not an offer of credit, a pre-qualification, a commitment to lend, or an appraisal of value. Actual terms are determined solely by the lender.
Most deals don't die on the math. They die waiting on a document. Have these in hand and your file goes to lenders the same day it reaches us.
Missing something? Send the deal anyway. Half of this list is easier to assemble once a lender has told you which version of it they want.
Tell us what you're buying and how you plan to get out. We'll come back with real options, not a sales call.