ARBOR Fund

Consistent Returns. Trusted Lending. Nationwide Reach

A $100M private mortgage fund delivering reliable, income-focused real estate opportunities backed by Arbor Financial Group’s 25+ years of lending expertise.

Why Invest in ARBOR Fund?

 Backed by a Proven Mortgage Powerhouse

Backed by a Proven Mortgage Powerhouse

  • ARBOR Financial Group has originated over $60B in mortgage loans.
  • 400+ licensed loan officers nationwide = steady, qualified deal flow.
  • Centralized compliance, loan servicing, and underwriting discipline.
 Solves Major Market Gaps

Solves Major Market Gaps

  • Bridge lending often suffers from poor service, bad underwriting, and unreliable quotes.
  • ARBOR leverages its prime lending expertise to offer transparency, consistency, and quality that most private lenders can't match.
High-Yield, Income-Focused Strategy

High-Yield, Income-Focused Strategy

  • Preferred Return: 7.5% annually (non-cumulative, resets Jan 1)
  • Quarterly distributions
  • Option to reinvest or receive cash payments

Fund Details at a Glance

Preferred Return

7.5% annual, non-cumulative

Distributions

Quarterly (cash or reinvest)

Minimum Investment

$100,000

Offering Size

$100,000,000

Manager Investment

$100,000 from principals committed

Loan Size Target

$100K – $5M (avg. $500K)

Loan Terms

6 – 60 months (mostly interest-only)

Lien Position

Mostly 1st, some junior liens

Redemption Lock

12-month lock, 180-day notice to redeem

Investor Eligibility

Accredited Investors (Reg D 506c)

Fund Details at a Glance

  • Preferred Return 7.5% - annual, non-cumulative
  • Distributions Quarterly (cash or reinvest)
  • Minimum Investment $100,000
  • Offering Size $100,000,000
  • Manager Investment $100,000 from principals committed
  • Loan Size Target $100K – $5M (avg. $500K)
  • Loan Terms 6 – 60 months (mostly interest-only)
  • Lien Position Mostly 1st, some junior liens
  • Redemption Lock 12-month lock, 180-day notice to redeem
  • Investor Eligibility Accredited Investors (Reg D 506c)

Why ARBOR Fund is Different

Direct Sourcing from Trusted Advisors

Direct Sourcing from Trusted Advisors

Unlike one aggregator funds or faceless lenders, ARBOR’s loans are primarily sourced internally — ensuring:

  • Clean loan files
  • Realistic valuations
  • Borrower clarity
  • Consistent pipeline of deals
Professional Servicing

Professional Servicing

Serviced by FCI Lender Services, Inc., a nationally trusted servicer to ensure: 

  • Quality borrower payment services
  • Late fees and collection services 
  • Extensions
  • Foreclosure services  

How to Invest & Suitability Requirements

How to Invest

How to Invest

  1. Review the PPM & Subscription Agreement
  2. Wire minimum of $100,000 (or commit capital for later capital call)
  3. Choose payout or reinvestment option
  4. Begin earning Preferred Return the month after fund deployment
Suitability Requirements

Suitability Requirements

Investors must be:

  • Accredited investors under SEC Rule 501
  • Able to tolerate illiquidity for a minimum 12-month horizon
  • Seeking income-focused real estate exposure without direct property management

Key Investor FAQs.

How much is my return?

You receive up to a 7.5% preferred annual return, distributed quarterly. Any additional profits are shared: 80% to investors / 20% to manager.

Note: The Preferred Return resets annually and is subject to adjustment based on market conditions.

How often do I get paid?

Distributions are made quarterly. You can opt to reinvest or receive cash. Reinvesting increases your share of future profits and voting power .

What happens when loans go bad?

All loans are collateralized with 1st or junior lien real estate.
If a borrower defaults:
Foreclosure and asset sale is pursued.
100% of any foreclosure resale profit goes to the Fund, not the Manager.
Pre-foreclosure protocols include servicing, late fees, and potential modifications.

How quickly can I get my money back?
  • Investors may request redemption after 12 months of investment.
  • Withdrawals are processed with:
    • 180-day notice
    • 10% holdback to cover potential obligations
    • Early withdrawal penalty of 5% may apply .
What types of loans does the Fund make?

ARBOR Fund originates and purchases:
Bridge loans (residential, commercial, consumer)
DSCR loans
Fix & flip loans
Ground-up construction loans
1-4 unit, 5+ multifamily, and commercial real estate loans
All loans are business-purpose and secured by U.S. real estate .

Why do borrowers need bridge loans?

Buy a new property before selling an existing one
Speed, flexibility, or inability to qualify for traditional financing
Rehab, flip, or repositioning properties
Cash flow or equity unlock between transactions

Will the Fund do other types of loans besides bridge?

Yes. While the core focus is bridge loans, the Fund can also pursue:
Construction loans
DSCR investor loans
High-yield fix-and-flip opportunities
The fund remains opportunistic while adhering to strict underwriting standards.

How long has ARBOR been in business?

ARBOR Financial Group — the originator and engine behind the Fund — has been active in lending for 25+ years, originating over $60 billion in loans across residential and commercial asset classes.

Backed by a Proven Mortgage Powerhouse

ARBOR Financial Group has originated more than $60B in loans nationwide, supported by 400+ licensed loan officers. With centralized compliance, disciplined underwriting, and professional loan servicing, ARBOR Fund is built on a foundation of scale and expertise.

Solving Market Gaps

Bridge lending often suffers from poor service, unreliable quotes, and weak underwriting. ARBOR Fund applies prime lending standards to private lending, offering transparency, speed, and consistency where others fall short.

Income-Focused Strategy

ARBOR Fund targets a 7.5% preferred annual return (non-cumulative, resets each January), with quarterly distributions. Investors can choose to receive payouts in cash or reinvest for greater compounding growth.

Fund Details at a Glance

Preferred Return

7.5% annual, non-cumulative

Distributions

Quarterly (cash or reinvest)

Minimum Investment

$100,000

Offering Size

$100,000,000

Manager Investment

$100,000 from principals committed

Loan Size Target

$100K – $5M (avg. $500K)

Loan Terms

6 – 60 months (mostly interest-only)

Lien Position

Mostly 1st, some junior liens

Redemption Lock

12-month lock, 180-day notice to redeem

Investor Eligibility

Accredited Investors (Reg D 506c)