Where the money goes, and how it comes back
Series 10 is a lending business, not a property. Capital is drawn into short-term loans made against real estate, borrowers pay interest monthly, and that interest — net of borrower-paid fees — is what funds distributions. The 10% annual interest rate is fixed and distributed monthly.
One loan, start to repayment.
Every position in the book runs the same path. Loans are $250,000 to $3,000,000 and average 6 to 24 months across bridge, stabilization, rehab, pre-construction, and repositioning credit.
Sourced and sized
A sponsor brings a project. The Fund sizes a loan of $250K–$3M against the real estate and the cost to complete.
Held to limits
LTV of 75% or less, LTC of 85% or less, so borrower equity sits ahead of the Fund's position. Affiliate loans meet the same limits.
Funded in stages
Capital goes out per draw as work progresses. A 1% origination fee applies to each draw, paid by the borrower. Returns accrue only once capital is deployed.
Interest, then payoff
Borrowers pay interest through the term and repay principal at maturity, typically on sale or refinance. Capital then recycles into the next loan.
The Units are not secured. Read what stands behind the lending.
Investors hold Class A Units in Fort Lending Debt Fund, LLC. Those Units are unsecured — there is no lien in your favor, and no collateral pledged to you individually. What is secured is the Fund's lending.
Each loan is written to stated limits of 75% LTV or less and 85% LTC or less, intending to take first-position liens where possible, supplemented by modular units in progress, equipment, accounts receivable, and UCC filings. Collateral reduces loss severity; it does not eliminate the risk of loss.
Third-party sponsors, and our own affiliates.
The Fund lends to unaffiliated real estate sponsors and to entities affiliated with Fort + Home Capital. Related-party lending is a conflict of interest, it is disclosed in the offering documents, and the portfolio should not be understood as arm's-length-only.
The conflict, named
The Manager decides which loans the Fund makes, and some borrowers are its affiliates. That is a structural conflict, not an incidental one.
Same limits either way
Affiliate loans are underwritten to the same LTV and LTC limits as third-party loans, and are documented the same way.
Today's allocation
Deployed to the Trails End loan — a Fort + Home affiliate borrower. The portfolio opens to additional loans in Q3 2026.
How interest reaches you.
Borrowers pay interest; fees come off the top; the remainder is distributed monthly. Every step below is a fact from the offering documents, not a projection.
Borrower pays interest
Interest is collected from the borrower on the loan's schedule.
Fees deducted first
1% origination per draw and a 2% annual management fee, paid monthly — borrower-paid, and deducted before interest is distributed to investors.
Distributed monthly
Distributions are made monthly, within 30 days of receipt. There is no assurance any distribution will be made.
Or reinvested
An interest-reinvestment election is available. It is an election, stated as a fact — this page shows no growth math of any kind.
Returns accrue only once capital is deployed. The 10% annual interest rate is fixed, distributed monthly.
Approximately 36 months — an intention.
The Manager intends to liquidate the Fund after approximately 36 months. That is a plan of record, not a commitment, and the offering documents control. The Fund is offering 25,000 Class A Units for up to $25,000,000 under the PPM dated 1 June 2025; capital is not liquid on demand, and there is no secondary market for the Units.
How an investment actually gets made.
Rule 506(c) permits public discussion of the offering, but it requires that accredited status be verified — not self-certified — before any sale. Marketing captures interest only.
A conversation
Twenty minutes on the strategy, the limits, the conflicts, and fit.
Offering documents
The PPM and definitive documents are provided and control in all respects. Read the risk factors in full.
Verification
Accredited status is verified through VerifyInvestor, coordinated by our team. Verification gates any sale.
Subscription
Minimum $50,000 — 50 Class A Units — in $1,000 increments, under the subscription documents.
Start with a conversation.
Book a call, or request the offering materials and we will follow up within one business day. No obligation at this stage.
Book a Callinvestors@fortandhome.com · Overview & terms
Submitting expresses interest only. It is not a subscription, not an allocation, and not an offer to sell.
Offered pursuant to Rule 506(c) of Regulation D under the Securities Act of 1933, as amended. Class A Units of Fort Lending Debt Fund, LLC, a Colorado limited liability company managed by Fort + Home Capital, LLC, are available only to verified accredited investors; verification gates any sale. Stream Income Series 10 pays 10% fixed annual interest, distributed monthly. 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; the Class A Units themselves are unsecured. Distributions are made monthly, within 30 days of receipt, and returns accrue only once capital is deployed — there is no assurance any distribution will be made. The Manager intends to liquidate the Fund after approximately 36 months; that is an intention, not a commitment. Borrowers may include affiliates of the Manager as well as third-party sponsors; related-party lending is a disclosed conflict of interest and the portfolio is not arm's-length-only. A 1% origination fee per draw and a 2% annual management fee, paid monthly, are paid by the borrower and deducted before interest is distributed to investors. The offering is for up to $25,000,000. All investments involve risk, including possible loss of capital. Past performance is not indicative of future results. This page is for informational purposes only and is not an offer to sell or a solicitation to buy securities; any offer is made solely pursuant to the Private Placement Memorandum dated 1 June 2025 and the definitive offering documents, which control. Fort + Home Capital · 3199 D Rd #D100, Grand Junction, CO 81504