Fort Lending Debt Fund · 506(c)

Earn 12% Fixed.
Paid monthly.

Fixed monthly income from the Fund’s revolving credit facility to Fort Homes, LLC, the company building precision modular homes in Colorado. Investors hold Class A Units in the Fund.

12%Fixed · monthly
Jun 2028Exit date
$50KMinimum
Investment Summary
OfferingFort Homes Credit Facility
Annual Return12.00%
DistributionMonthly
StructureRevolving Line of Credit
CollateralUnits in Progress, Equip., A/R
Facility Term36 Months · Exit June 2028
Minimum$50,000
Issuing EntityFort Lending Debt Fund, LLC
BorrowerFort Homes, LLC (affiliate)
Why This Investment
A fixed-rate loan to a Colorado home factory.
Built indoors, year-round, in Grand Junction.

Colorado needs roughly 93 new homes every day just to keep pace with demand. Ski-town prices have surged since 2012, pushing essential workers out of their own communities.

Fort Homes operates a precision-built modular factory in Grand Junction, CO — producing energy-efficient, SIP-constructed homes at 20–25% lower cost than traditional construction. Homes are built indoors, year-round, eliminating weather delays and labor shortages.

The Fund holds a revolving line of credit to Fort Homes, LLC, paying 12% fixed annual interest, distributed monthly, through a 36-month term that runs to June 2028. Fort Homes, LLC is an affiliate of the Manager.

The Fund doesn’t buy equity. It lends to an operating factory at a fixed 12%.

$28B
Modular Housing Market
6.5%
Annual Market Growth
20–25%
Cost Savings vs. Stick-Built
100K+
CO Housing Unit Deficit
How It Works
From interest to income in four steps
Simple, transparent, and built for passive investors who value predictability.
1

Submit interest

Complete the non-binding soft-commitment form or schedule a call with our team.

2

Review & sign

Receive the PPM, review terms with your advisor, and sign subscription documents.

3

Fund & activate

Wire your investment. Interest begins accruing when your capital is deployed.

4

Earn monthly

Receive 12% fixed annual interest as monthly distributions. Stated exit: refinance at Month 36 to return investor capital.

Deal Terms
Investment details at a glance
Everything you need to evaluate this opportunity, in one place.
Annual Return12.00% Fixed
DistributionMonthly
Facility Term36 Months from Inception (Jun 2025)
Exit DateJune 2028
Minimum Allocation$50,000
Increments Above Minimum$1,000
Issuing EntityFort Lending Debt Fund, LLC
Offering TypeRule 506(c)
StructureRevolving Line of Credit
CollateralUnits in Progress, Equip., A/R
BorrowerFort Homes, LLC (Manager affiliate)
Facility MaximumUp to $3,000,000
Sponsor FeesPaid by Borrower
Stated ExitRefinance at Month 36
Income Calculator
Monthly Income
$1,000
Deposited to your account
Annual Income
$12,000
12% of principal

Illustration: 12% fixed annual interest on the amount shown, simple interest, paid monthly from the date capital is deployed, through the facility’s June 2028 term. The offering documents govern.

A closer look at how the facility is structured →

Common Questions
Frequently asked questions
Quick answers for prospective investors.
What is the collateral arrangement?
The fund’s revolving credit facility to Fort Homes, LLC contemplates collateral consisting of specified business assets of the borrower — modular units in progress, manufacturing equipment, and accounts receivable. Investors hold an interest in the fund; they do not hold a direct lien on those assets.
When do distributions start?
Distributions are made monthly, within 30 days of the fund’s receipt of interest payments. Returns accrue only from the time your allocated capital is deployed into the Company Investment.
What happens at maturity?
The facility term is 36 months. The stated exit strategy is a refinance at Month 36 to return investor capital. Repayment is not guaranteed — review the risk factors in the PPM and Deal Memorandum.
Is the borrower related to the Manager?
Yes. Fort Homes, LLC is owned by, controlled by, or otherwise affiliated with the Manager. This presents conflicts of interest, and there is no guarantee the facility was negotiated or underwritten at arm’s length. See the Deal Memorandum risk factors.
Who is eligible to invest?
This is a 506(c) offering open to verified accredited investors. Third-party verification of accredited status is required.
What are the principal risks?
Fort Homes, LLC is a growth-stage business with a limited operating history. Disclosed risks include tariff and supply-chain exposure, commodity price volatility, customer concentration, scaling challenges, and affiliate conflicts of interest. You may lose all or a substantial portion of your capital.
Get Started
Submit your
soft commitment
Non-binding and confidential. Our team will follow up within one business day.
  • 12% fixed annual interest — paid monthly
  • Revolving credit facility to Fort Homes, LLC
  • Collateral: modular units in progress, equipment, accounts receivable
  • $50,000 minimum allocation, $1,000 increments thereafter
  • 36-month term; sponsor fees paid by the borrower
  • Borrower is an affiliate of the Manager — see risk factors

Prefer to talk first?

Jeff Zimmerman, President of Fort + Home
Schedule a 15-Minute Call →

Indicate your interest

All fields required. This is non-binding.
By submitting, you agree to be contacted by Fort + Home Capital regarding this offering. This is a non-binding indication of interest under Regulation D, Rule 506(c) and does not constitute a commitment to invest or an offer to purchase securities. Securities are offered only through official offering documents to verified accredited investors.

Important Disclosures: This page is intended solely to provide information about Fort Lending Debt Fund, LLC under Regulation D, Rule 506(c) and does not constitute an offer to sell or solicitation of an offer to buy any securities. Securities are offered only through official offering documents. Offered pursuant to Rule 506(c) of Regulation D under the Securities Act of 1933, as amended; investment is available only to verified accredited investors as defined under SEC rules. All indications of interest are non-binding and subject to completion of offering documents and verification of accredited investor status. All investments involve risk, including the possible loss of principal. Stream Income Series 10 pays 10% fixed annual interest and the Fort Homes Credit Facility pays 12% fixed annual interest; interest is simple, not compounded, and accrues only from the date allocated capital is deployed. The Fund’s loan to Fort Homes, LLC contemplates collateral consisting of business assets of that borrower — modular units in progress, manufacturing equipment, and accounts receivable; investors hold an interest in the fund and do not hold a direct lien on those assets. Projections and forward-looking statements are estimates based on management’s current assumptions and are not guarantees of future performance. Actual results may differ materially. Past performance is not indicative of future results. The borrower, Fort Homes, LLC, is owned by, controlled by, or otherwise affiliated with the Manager; this affiliate relationship presents conflicts of interest, and there is no guarantee that the credit facility was negotiated or underwritten at arm’s length. Fort Homes, LLC is a growth-stage entity with a limited operating history and may lack sufficient collateral, reserves, or historical performance to assure its capacity to repay. Investors should review the applicable Private Placement Memorandum, Operating Agreement, and Subscription Agreement for complete details, including risk factors, fees, and conflicts of interest. Fort + Home LLC and Fort + Home Capital, LLC are not registered as broker-dealers or investment advisers and do not provide services requiring such registration. Consult your financial, legal, and tax advisors before making any investment decision.

Request the Facility Memo →