How It Works

Private Lending Made Simple

Most private lending opportunities are built for institutions — complex structures, opaque terms, and minimum commitments that put them out of reach for individual investors, even serious ones.

When you deposit money in a bank, the bank lends it out to businesses and individuals at a higher rate and keeps the difference. You get 3–4%. The bank keeps the rest.

With ActivePoint, you cut out the bank entirely.

You lend your capital directly to a qualified institutional borrower from our network. That borrower pays you interest every month — up to 2% per month, or 25%+ on an annualized basis. At the end of the term, your full principal is returned to you. ActivePoint handles all the administration, documentation, and reporting in between.

You don’t need to manage anything. You don’t need to monitor a market. You don’t need to make any ongoing decisions. You lend. You collect. You get your money back.

That’s the whole structure. And unlike a bank, every dollar of interest goes directly to you.

The Four Steps

Qualify

The first step is confirming that you meet the accredited investor criteria. This is a straightforward process — we verify your status, answer any questions you have about the platform, and make sure this is a fit for your situation before anything else happens. There is no obligation at this stage and no cost.

Accredited investor criteria: Net worth exceeding $1,000,000 excluding primary residence, or annual income exceeding $200,000 individually ($300,000 jointly) in each of the two most recent years.

Review and Sign

Once you’re confirmed as an accredited investor, we walk you through the full lending agreement. You’ll see exactly what you’re signing — the facility size, the interest rate, the term, the collateral backing your loan, and the early exit terms. Every question gets answered before you sign anything. When you’re ready, you execute a direct bilateral lending agreement with the borrower. This is your agreement — not a fund subscription, not a partnership interest. A direct loan.

Fund Your Facility

You wire your capital to fund the facility. The 21-day activation period begins. During this window, your agreement is finalized, your collateral is designated, and your account is set up on the platform. Interest begins accruing on Day 22.

Earn and Manage

From Day 22 forward, interest accrues daily and is visible in your account in real time. You can log in any time to see your current balance, accrued interest, and payment history. Withdraw your interest whenever you want — there is no requirement to wait. At the end of the 180-day term, your full principal is returned and any remaining accrued interest pays out automatically. You can renew for another term or exit — entirely your choice.

Everything You Need to Know Before You Start.

YOUR INTEREST RATE

Your rate is determined by the collateral coverage ratio on your specific facility — the ratio of independently appraised hard assets pledged against your loan to the size of your facility. The higher the collateral coverage, the higher your rate. Our facilities currently target up to 2% per month.

This means your rate is tied to a concrete, verifiable number — not to market performance, not to how a fund is doing, and not to anything outside of your specific lending arrangement.

Rates are set at the beginning of each facility period and confirmed in your agreement. You always know your rate before you fund.

YOUR COLLATERAL

Every facility on our platform is backed by independently appraised hard assets — primarily real estate and other tangible holdings — pledged specifically to your lending arrangement. These assets are dedicated to your facility alone. They cannot be shared with, or used to back, any other participant’s arrangement at the same time.

If a resolution event is ever triggered, your collateral is locked immediately at current coverage levels. It cannot be reduced or reallocated while your facility is in resolution. And if it ever comes to it, your recovery is limited to your designated collateral — nothing comes back on you beyond that.

YOUR LIQUIDITY

The standard facility term is 180 days. But you are not locked in for the full term if your plans change.

Interest earned on your facility is withdrawable at any time after Day 22 — no notice required, no waiting period. Simply log into the platform and request a withdrawal.

If you need your principal back early, submit a 60-day early redemption notice. Your full principal and all accrued interest to that point are returned to you within the notice period. You are never stuck indefinitely.

At the end of the 180-day term, facilities auto-renew unless you give 30-day notice that you’d like to exit. If you choose to renew, the process is seamless — no new agreement required.

YOUR TAX DOCUMENT

At year end, you receive a simple 1099 reflecting your interest income for the year. That’s it. No K-1. No partnership return. No Schedule E. No complex tax situation created by participating on our platform.

YOUR FEES

Zero. ActivePoint charges no fees to participants. Our platform fee is paid directly by the borrower — not deducted from your interest, not charged at entry or exit, not hidden anywhere in the structure. Every dollar of interest your facility generates belongs to you.

Ready to Put Your Capital to Work?

If you have capital sitting in a low-yield account, tied up in assets you’re ready to step back from, or parked somewhere it isn’t working hard enough — we’d like to have a conversation.

The next step is simple. Watch our full investor presentation and see exactly how our platform works, how our borrower network is structured, and what participation looks like for investors at your level.

No pressure. No obligation. Just a clear, direct look at the opportunity — and the information you need to decide if it’s right for you.

For accredited investors only. This is a commercial lending arrangement, not a securities offering. Target returns are objectives, not guarantees.