$500,000 Remaining — Limited Allocation Available  |  506(c) Verified Accredited Investors
Now Accepting Allocations

Earn 12% Fixed.
Backed by Real Assets.
Paid Monthly.

Fund the production of precision-built modular homes in Colorado. First-lien collateral on a $2.8M facility. Your capital fuels housing — your returns are secured by hard assets.

12% Annual Return
36 Month Term
4.4x DSCR
Investment Summary
OfferingFort Homes Credit Facility
Annual Return12.00%
DistributionMonthly
SecurityFirst-Lien Collateral
Collateral Value$2.8M (Facility + Equipment)
DSCR Coverage4.4x (2025) → 8.9x (2026)
Minimum$50,000
Issuing EntityFort Lending Debt Fund, LLC
Capital Raise Progress
$2,500,000Capital Committed
$500,000Remaining Allocation
83% of $3,000,000 target raised
$50,000 minimum allocation
10 positions remaining at minimum
Allocation closes when fully subscribed
🏭
Colorado-Based Manufacturing
🔒
First-Lien Collateral
100% On-Time Payments
📋
K-1 Tax Treatment
🏠
$28B Market Opportunity
Why This Investment
Your Capital Funds a Factory.
Real Assets Secure Your Return.

Colorado needs 93 new homes every day just to keep pace with demand. Ski town prices have surged 200%+ 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.

Your investment provides working capital via a promissory note secured by first-lien collateral — including the manufacturing facility, production equipment, and accounts receivable. In return, you earn 12% annually, paid monthly, over a 36-month term.

This isn’t speculative equity. It’s debt — with hard assets behind it.

$28B
Modular Housing Market
6.5%
Annual Market Growth
20-25%
Cost Savings vs. Stick-Built
106K
CO Housing Unit Deficit
How It Works
From Interest to Income in 4 Steps
Simple, transparent, and built for passive investors who value predictability.
1

Submit Interest

Fill out 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 from your funding date.

4

Earn Monthly

Receive 12% annual return as monthly distributions. Principal returned at maturity.

Deal Terms
Investment Details at a Glance
Everything you need to evaluate this opportunity, in one place.
Annual Return12.00% Fixed
DistributionMonthly
Term36 Months
Minimum Investment$50,000
Issuing EntityFort Lending Debt Fund, LLC
Offering TypeRule 506(c)
CollateralFirst-Lien on Facility + Equip.
Collateral Value$2.8M
DSCR (2025)4.4x
DSCR (2026 Projected)8.9x
Tax TreatmentK-1 Pass-Through
Eligible AccountsCash, SDIRA, Solo 401(k)
Return Calculator
Reinvest monthly distributions (compound returns)
Toggle to compare scenarios
Monthly Income
$1,000
Deposited to your account
Annual Income
$12,000
12% of principal
Total Over 3 Years
$136,000
Principal + interest income
Simple Interest
$136,000
+$36,000 total income
$1,000/mo distributions
Over 3yr at 12.00% APR
Compound (Reinvested)
$143,077
+$43,077 total return
Distributions reinvested monthly
Over 3yr at 12.68% APY
$7,077 extra vs. simple
$7,077

Additional return from reinvesting distributions over 3 years

Growth Comparison — Simple vs. Compound Returns
Simple Interest (12% APR)
Compound / Reinvested (12.68% APY)

Important Disclaimer: The figures and chart shown above are projections based on the 12% fixed annual rate stated in the offering materials. The note term is 36 months; projections beyond that period assume the investor re-deploys capital at the same rate, which is not guaranteed. “Simple interest” reflects monthly cash distributions paid to the investor. “Compound / Reinvested” assumes the investor re-deploys all monthly distributions at the same 12% rate, compounded monthly (12.68% APY) — reinvestment is subject to availability and is not guaranteed. These are estimates for illustrative purposes only and do not constitute a guarantee of future performance. Actual results may vary materially. Investors should review the Private Placement Memorandum for complete risk factors, terms, and conditions before making any investment decision.

Investor Testimonials
What Our Investors Say
Fort + Home has a 100% track record of on-time payments across all debt offerings.
★★★★★
“The whole investment process is great. The Fort + Home team is so transparent with what is going on with each project. They are true professionals and I look forward to investing with them again.”
Mitchell U.
Fort + Home Investor
★★★★★
“Great people, great projects, excellent returns. The monthly distributions are exactly as described — consistent and on time.”
Michael E.
Fort + Home Investor
★★★★★
“I was looking for a fixed-income alternative that actually pays a real return. This delivers. The collateral structure gives me confidence.”
Current Investor
Stream Fund Participant
Common Questions
Frequently Asked Questions
Quick answers for prospective investors.
What secures my investment?
Your note is secured by a first-lien on the Fort Homes manufacturing facility, production equipment, and accounts receivable — valued at $2.8M.
When do distributions start?
Monthly distributions begin the month following your funding date. Interest accrues from day one of your wire.
What happens at the end of 36 months?
Your full principal is returned at maturity. You may also have the option to roll into a new offering at that time.
Can I invest with a Self-Directed IRA?
Yes — this investment accepts Cash, Self-Directed IRA, and Solo 401(k) accounts.
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 is the DSCR and why does it matter?
The Debt Service Coverage Ratio measures how many times net operating income covers debt payments. At 4.4x (growing to 8.9x projected), the factory generates far more income than needed to service your note.
Get Started
Submit Your
Soft Commitment
Non-binding and confidential. Our team will follow up within 24 hours.
  • 12% annual return — fixed, not variable
  • Monthly cash flow deposited to your account
  • First-lien collateral on $2.8M in real assets
  • 4.4x debt service coverage ratio
  • K-1 tax pass-through treatment
  • 36-month term with principal return at maturity

Prefer to talk first?

Jeff Zimmerman, CEO 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 and does not constitute a commitment to invest or an offer to purchase securities. Securities will only be offered through official offering documents.

Important Disclosures: This page is intended solely to gauge interest under Regulation D, Rule 506(c) and does not constitute an offer to sell or solicitation of an offer to buy any securities. All soft commitments 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. Target returns, projections, and forward-looking statements on this page are estimates based on management's current assumptions and are not guarantees of future performance. Actual results may differ materially from those projected. Past performance is not indicative of future results. The fundraising progress shown reflects commitments received as of the most recent update and may not reflect real-time status; allocation availability is subject to change without notice. DSCR projections for 2026 are forward-looking estimates based on management's revenue forecasts and are not guaranteed. 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.

Submit Interest — 12% Fixed Returns →