Fort Lending is the credit arm of Fort + Home. The Fund makes short-term loans and distributes the interest monthly to the Members who funded them. It is a Colorado limited liability company managed by Fort + Home Capital, LLC, and it is offered only to verified accredited investors.
You join Fort Lending Debt Fund once. From there you opt into the individual investments you want — each has its own Deal Memo, its own terms and its own allocation. Two are open today.
Additional series may be issued by the Fund in future. Each requires its own Deal Memo and is offered separately when it is issued. No series other than those shown above is being offered.
Choose an amount and a series. The chart shows the monthly income paid out, and what the same allocation looks like over ten years if you hold each distribution and redeploy it into the next series as loans are repaid and new ones are made.
Stream loans run 6–24 months; capital is redeployed as they repay.
Illustration only, not a projection. It shows what staying invested looks like. Each series runs its own term — Stream loans run 6–24 months and the Fort Homes facility runs 36 — while the Fund itself is an ongoing vehicle that intends to pursue further Company Investments as loans are repaid and new ones are made. The view you select therefore assumes you stay invested across successive series, and that held distributions are redeployed once a year: that a new series is available when one repays, at the same rate, and that the Manager approves each allocation. The offering documents commit to none of those, and redeployment is subject to availability and Manager approval. Interest is simple within each series and is not compounded. The figures assume every payment is made in full and on time, which is not assured. Your actual result will differ.
Fort Lending sits on the debt side of the same kind of housing Fort + Home develops and manufactures, in the same region. That position is the product.
Your return is a monthly distribution at the series’ stated rate, rather than a share of what a building is worth when it sells. It is capped at the rate, and it does not depend on a sale or refinancing — though it does depend on the borrower paying.
Fort Lending Debt Fund, LLC issues a separate series for each lending opportunity, each with its own Deal Memo. You choose which series you participate in; nothing is allocated on your behalf.
The Fund was organized primarily to issue short-term, asset-backed loans against real assets and business collateral.
Short-term lending against residential real estate, secured by the property.
Lending against offsite-manufactured housing while it is being built.
Lending secured by business assets under a UCC filing rather than by land.
Short-term lending against commercial property, secured by the asset.
The Fund states the measures it applies across all of them.
You subscribe for Class A Units in Fort Lending Debt Fund, LLC once. Accredited status is verified by a qualified third party before any subscription is accepted.
Each lending opportunity is described in its own Deal Memo — what it lends to, the term, the rate, the collateral parameters and the fees. You receive it before any capital is committed.
You allocate capital to the series you want. Participation in each series is an affirmative election; nothing is allocated on your behalf. Interest accrues only once your allocated capital is deployed.
Distributions from a series are made to the Members who allocated to that series, in proportion to their allocation within it.
Capital is lent across a portfolio of short-term real estate loans. Lending is spread across borrowers and projects. Your interest comes from many borrowers and many projects rather than from one, so no single borrower carries the whole series. That spread is what an Income series is for.
Capital funds a single named borrower under one facility. You know exactly who the borrower is and what the facility funds. You can underwrite that one relationship directly. Concentration in one borrower is the trade, and the rate is the compensation for it.
The difference is how many borrowers the capital is lent to, not whether one is a better offering than the other. A higher rate on a Direct series is compensation for holding one borrower rather than many.
The Fund’s stated underwriting limits provide for first-position liens on real estate where possible, at an LTV of 75% or less and an LTC of 85% or less, which are lending parameters and not a description of security currently in place; documentation on the Fund’s current advance is not yet executed, so that advance is not presently secured, supplemented by modular units in progress, equipment, accounts receivable, and UCC filings.
Pick the one that suits you. You can review and sign the documents before your accredited status is verified — only the transfer of funds waits.
See the Deal Memo and subscription documents for the series you chose, and sign them electronically. No account to create.
Review and sign →Subscribe, sign and fund in one place, and see your position and distributions afterwards. Existing investors sign in.
Open a portal account → I already have one →You can review the Deal Memo, ask questions and sign the subscription documents.
A qualified third party confirms your accredited status. A letter from your CPA, attorney or investment adviser is usually the fastest route, and it does not have to be independent of you.
Funds transfer and your capital is allocated to the series you chose. Interest accrues once it is deployed.
Signed documents are not accepted and no capital is taken until accredited status is verified. Rule 506(c) requires that verification before any sale.
Redemption is a request, not a right, and the redemption price is unreturned capital contributions rather than capital plus return. The Fund’s offering documents govern in full.
You hold Class A Units in the Fund. Your return is the stated rate on the capital you allocated to a series, distributed monthly.
You do not hold a lien on any loan collateral. The Fund — not the individual investor — is the lender under each facility. The Class A Units themselves are unsecured. If a borrower fails to repay, your recovery depends on the Fund’s remedies as lender, not on any security interest held by you directly.
This is a private placement. It is not a bank deposit, it is not insured by the FDIC or any other agency, it is illiquid, and you may lose some or all of your capital.
Fort Homes, LLC is an affiliate of the Manager and is a growth-stage business with a limited operating history. Borrowers may be owned by, controlled by, or otherwise affiliated with the Manager. Related-party lending presents conflicts of interest, and there is no guarantee that loans will be made on terms equivalent to those available from an unaffiliated lender.
The open series are correlated, not complementary. Fort Homes builds modular units; the Fund’s real-estate lending is concentrated in the same western Colorado region. An investor allocating across both series to diversify has taken the same regional exposure twice, inside the same fund entity.
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.
