A closer look at how the facility is structured, who the borrower is, what the capital does, and what an allocation looks like from the day it is deployed to the stated Month 36 exit.
A Class A Member allocation in Fort Lending Debt Fund, LLC, a Colorado limited liability company managed by Fort + Home Capital, LLC. Your return is the 12% fixed annual interest the fund receives on its loan, distributed monthly.
The fund extends an interest-only revolving line of credit to Fort Homes, LLC. The fund — not the individual investor — is the lender under that facility. Investors do not hold a direct lien.
The facility contemplates collateral consisting of business assets of the borrower: modular units in progress, manufacturing equipment, and accounts receivable. This is a business line of credit, not a real-estate loan, and lien priority is not represented.
The facility is revolving and interest-only, sized up to $3,000,000, with a 36-month draw period. The borrower draws against it as production requires and pays interest on drawn capital.
The shared-exit basis. The facility term is 36 months measured from its June 2025 inception. Capital allocated today is subject to the same stated Month 36 exit — a new allocation does not receive a fresh 36-month term. All capital shares the same stated exit of June 2028, however late it is allocated, so the holding period is shorter for capital allocated later. Interest accrues only from the date allocated capital is deployed, and is simple, not compounded. Compounding is not a feature of this facility. The stated exit is a refinance at Month 36 — a plan of record, not a guarantee of the return of capital.
Accrual begins at deployment, not at signature. Returns accrue only from the date your allocated capital is deployed into the Company Investment — the period between funding and deployment does not earn interest.
Interest is simple. The rate is 12% fixed annual interest on deployed principal. There is no compounding mechanic and no reinvestment feature that alters the stated rate.
Distributions are monthly. The fund distributes within 30 days of receiving the borrower’s interest payment. On a $100,000 allocation, simple interest at 12% is $12,000 per year — distributed monthly at $1,000. Interest accrues only from the date capital is deployed and ends at the stated exit, so total interest depends on how long the capital is actually outstanding. This is an illustration of the stated rate, not a projection of results, and the return of principal is not guaranteed.
Fees never come out of your capital. The 1% origination fee and the 2% management fee are paid by the borrower or deducted from loan interest — never from allocated investor capital.
SIP panels, fixtures, and materials purchased ahead of production runs.
Factory crews building indoors, year-round, without weather stoppages.
Production line tooling and facility equipment at the Grand Junction plant.
Bridging the gap between build start and customer payment on delivery.
Submit the non-binding soft-commitment form or schedule a call. Nothing is committed at this stage.
Third-party verification runs through VerifyInvestor. Our team coordinates it; marketing never qualifies investors.
Receive the PPM, Deal Memorandum, Operating Agreement, and Subscription Agreement. Review with your own advisors.
Wire your allocation. Interest accrues from the date the capital is deployed, and distributions follow monthly.
Fort Homes, LLC is owned by, controlled by, or otherwise affiliated with Fort + Home Capital, LLC. This presents conflicts of interest, and there is no guarantee that the revolving line of credit was negotiated or underwritten at arm’s length.
Fort Homes, LLC has a limited operating history and no track record of profitability. It may lack sufficient collateral, reserves, or historical performance to provide confidence in its repayment capacity.
Members may lose all or a substantial portion of their capital. The stated Month 36 refinance is a plan of record, not a guarantee that principal will be returned.
The offering documents name the following risks. Read them in full before deciding.
Important Disclosures: This page is intended solely to provide information about the Fort Homes Credit Facility 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. The 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 contemplates collateral consisting of business assets of the 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.