Reef Private Credit is a specialized asset-based lender
We originate, underwrite, fund, and manage high-yield, short-term mortgage loans tailored to the needs of professional real estate investors and developers across the United States.
For more than 20 years, we have provided a comprehensive range of capital solutions, including bridge loans, construction financing, and mezzanine debt, delivering value through innovative and customized strategies tailored to our borrowers’ needs.
Capital Deployed Since Inception
Senior Debt Lending Parameters:
Loan Term: 3–36 months
Rates: 8%–12%
Origination: 1.0%–4.0%
Loan Size: $3mm – $20mm
Footprint: National with strong Mountain West and Sunbelt focus
Property Type: Varies (no senior housing, no vice-asset classes)
Recourse: Limited
Funding: 1–4 weeks
Prepayment Penalties: Limited
LTV: Up to 75%
LTC: Up to 85%
Past Deals
Mayflower Village Condos
$50.0mm Condo Development
Park City, Utah
Blue Cascades
$15.4mm Multi-family rehab
Tallahassee, FL
Fitzgerald Farms
$9.4mm Single Family Lot Development
Heber City, Utah
Lakeshore Landing
$7.6mm Multi-family Development
American Fork, Utah
Auto Mall
$6.2mm Single Family Lot Development
Herriman, Utah
Alpine Heights
$3.5mm Single Family Lot Development
Rexburg, Idaho
Wash U
$3.3mm Car Wash Capital Improvements
Joliet, IL