Copper River Funding helps successful people achieve their investment goals by creating opportunities to participate in private commercial bridge lending secured by real estate collateral. CRF aims to manage and control risk through its stringent lending criteria, rigorous evaluation, diligent closing process and ongoing monitoring. We provide a "turnkey" solution to ensure that our clients experience the convenience, communication, professionalism and efficiency that build confidence and peace of mind.
The Copper River Funding lending program for successful investors is guided by four core principles:
- Choice & Control. In today's investing environment, it is more important than ever for individuals to have multiple options and complete control of their finances. CRF clients are presented with a diverse set of projects that offer you the opportunity to lend your capital based on your preferences for location, collateral, term, and yield. You will have access to a comprehensive package of due diligence materials for review prior to closing. Our clients maintain control of their capital at all times. A reputable title company or closing attorney administers loan closings, and a nationally licensed; third party loan-servicing agent services the loans, receives interest payments from the borrower and promptly distributes your portion directly to your bank account. CRF does not touch your funds.
- Community & Diversification. A robust network of CRF clients and our innovative loan structure allows for a limited number of investors to participate in a single project. Clients can determine their level of participation in each loan, and deploy their capital in multiple loans to create a diversified portfolio. As a co-lender on a particular project, you will "own" your proportional share of the income stream as well as a first trust deed or mortgage that protects your collateral. Through combining your resources with other successful investors, you are able to participate in lending opportunities that would otherwise be inaccessible.
- Active Risk Management. Copper River Funding maintains stringent lending guidelines, conducts rigorous due diligence on every project and seeks to structure the loan to provide strong protection for the lenders. In each lending opportunity, CRF makes all due diligence available to each CRF client for complete review prior to closing. These will include such items as appraisal, title report, borrower credit, borrower background check, business and personal financials, current rent rolls, photographs and leases etc.
- Attractive Returns. Our clients have concluded that the typical higher yields earned on CRF-administered loans provide more than adequate compensation for the inherent risks and illiquidity incurred in private commercial bridge lending. It is important to note that CRF loans require borrowers to make monthly interest payments, with the loan principal paid at maturity. When the loan matures, CRF's robust pipeline enables clients to redeploy capital with minimal delay in order to maintain high returns.