Fort Lending Debt Fund · 506(c)

Earn 12% Fixed.
Secured by business assets.
Paid monthly.

Fund the production of precision-built modular homes in Colorado. The fund issues a secured revolving line of credit to Fort Homes, LLC — collateralized by modular units in progress, manufacturing equipment, and accounts receivable.

12%Fixed · monthly
~22 moRemaining term
$50KMinimum
Investment Summary
OfferingFort Homes Credit Facility
Annual Return12.00%
DistributionMonthly
StructureRevolving Line of Credit
CollateralUnits in Progress, Equip., A/R
Facility Term36 Months · ~22 Remaining
Allocation Available$850,000
Minimum$50,000
Issuing EntityFort Lending Debt Fund, LLC
BorrowerFort Homes, LLC (affiliate)
Colorado-Based Manufacturing
Secured by Business Assets
100% On-Time Payments
36-Month Term
$2.15M Placed on This Facility
Why This Investment
Your capital funds a factory.
Business assets secure the loan.

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.

Your capital is deployed through a secured revolving line of credit issued by the fund to Fort Homes, LLC — collateralized by modular units in progress, manufacturing equipment, and accounts receivable. The facility targets 12% annual interest, distributed monthly, over a 36-month term. Fort Homes, LLC is an affiliate of the Manager.

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
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 from your funding date.

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)
Remaining Term~22 Months
Allocation Available$850,000
Minimum Allocation$50,000
Increments Above Minimum$1,000
Issuing EntityFort Lending Debt Fund, LLC
Offering TypeRule 506(c)
StructureSecured Revolving 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
Return Calculator
Monthly Income
$1,000
Deposited to your account
Annual Income
$12,000
12% of principal
Total Over 22 Months
$122,000
Principal + interest income
Cumulative Interest Paid — 12% Fixed Annual Interest
Principal + cumulative interest paid monthly

Important Disclaimer: The figures and chart above are illustrative projections based on the 12% fixed annual interest rate stated in the offering materials, applied to the remaining facility term. The facility term is 36 months measured from inception in June 2025 — capital allocated today is subject to the same stated Month 36 exit, so a new allocation does not receive a fresh 36-month term. Interest accrues only from the date allocated capital is deployed. Interest is simple, not compounded — compounding is not a feature of the note. The stated exit is a refinance at Month 36 — a plan of record, not a guarantee of the return of capital. Actual results may vary materially. Review the Private Placement Memorandum, including the Risk Factors, 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.
“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. The monthly distributions are exactly as described — consistent and on time.”
Michael E.
Fort + Home Investor
“I wanted 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 the loan?
The fund’s revolving credit facility to Fort Homes, LLC is secured by 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
  • Secured 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 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. 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 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 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.

Submit Interest →