Bridge financing
Immediate, short-term financing intended to buy time to arrange long-term debt.
Defined term · Property collateralIllustrative opportunity
14%
Annual interest
Payments due monthly
- Minimum
- $25,000
- Term
- 12 months
Earn monthly interest, secured by real estate.
Access Social Capital’s private book of lending opportunities to generate truly passive income.
- Interest payments due monthly
- Passive income without managing property
- Valuable real estate as collateral
- Transparent online investor platform
- Minimum investment starting at $25,000
A track record of success.
Founded in 2018 by Berek Waldman, a third-generation mortgage broker and private lender, Social Capital has never lost investor capital.
See selected opportunities →$320M+Principal fundedCapital put to work in short-term financing.
700+Loans fundedIndividual loans funded for real estate borrowers.
$91M+Interest paid to lendersIncome paid across the lender network.
0Investor lossesLenders have earned a positive return on every completed loan.
What investors say.
Real relationships are at the center of how Social Capital works.
MarkSocial Capital investorStock portrait · not Mark
“Social Capital gives me access to real estate income without the responsibility of owning and managing another property.”
AhmedSocial Capital investorStock portrait · not Ahmed
“The opportunities are straightforward, the team is accessible, and I can see exactly where my capital is working.”
The market demands short-term financing.
The borrower’s purpose can change. The investor’s role remains providing capital under defined loan terms.
Acquisition financing
Capital used by a real estate investor to complete the purchase of an identified property.
Identified purchase · Defined loan amount
Cash out for business.
Business owners need working capital for expenses and investments.
Stated note rate · Documented lienDesigned to make private lending understandable.
Unlike speculative projects or black-box funds, Social Capital secures investments with specific collateral that has value today.
What lenders can expect
Income under defined terms⌄
The note states the interest rate, payment obligation, maturity, and other terms. Contractual does not mean guaranteed.
Choose opportunities individually⌄
Review opportunities one at a time instead of committing capital to a blind pool.
Real-property collateral⌄
Each opportunity identifies the property intended to secure the borrower’s obligation.
No property management⌄
The lender does not become responsible for tenants, repairs, leasing, or day-to-day property operations.
A mortgage team you can call⌄
Questions can be discussed with people who work directly with the transaction and its documents.
Visibility after closing⌄
Servicing information, payments, documents, and payoff activity can be followed through the lender portal.
How it works
Review an opportunity. Ask questions. Choose whether to participate. Follow the loan through payments and payoff.
Request accessWhat Social Capital handles.
Investors stay passive.
01
Source lending opportunities
02
Review borrower and property information
03
Structure proposed loan terms
04
Coordinate valuation support
05
Coordinate escrow and title
06
Prepare the opportunity summary
07
Collect and organize documents
08
Coordinate loan funding
09
Establish servicing
10
Process and report payments
11
Communicate material updates
12
Coordinate payoff and return of principal
Real examples of completed investments.
Selected completed loans from our archive, with interest paid over the loan term.
| Loan amount | $250,000 |
|---|---|
| Annual interest rate | 13% |
| Interest paidOver 24 months | +$65,000 |
| Loan amount | $520,000 |
|---|---|
| Annual interest rate | 13% |
| Interest paidOver 12 months | +$67,600 |
| Loan amount | $1,675,000 |
|---|---|
| Annual interest rate | 11% |
| Interest paidOver 12 months | +$184,250 |
| Loan amount | $1,050,000 |
|---|---|
| Annual interest rate | 12% |
| Interest paidOver 12 months | +$126,000 |
| Loan amount | $80,000 |
|---|---|
| Annual interest rate | 15% |
| Interest paidOver 12 months | +$12,000 |
| Loan amount | $500,000 |
|---|---|
| Annual interest rate | 12.5% |
| Interest paidOver 12 months | +$62,500 |
…and hundreds more loans funded.