7.5%
Preferred Return
7.5% annually (non-cumulative, resets January 1). Quarterly distributions with the option to reinvest or receive cash payments.
Introducing the ARBOR Fund.
A $100M private mortgage fund backed by ARBOR Financial Group, a nationally licensed mortgage banker and broker with over 400 loan officers.
Why invest in ARBOR Fund?
Real Estate Backed, High-Yield, Income-Focused Strategy
80/20
Aligned Incentives
Additional profits above the 7.5% preferred return are shared 80% to investors and 20% to the fund manager, ensuring performance-based alignment.
9.375%*
Targeted Net Return*
Returns are driven by a 7.5% preferred yield, plus profit-sharing from high-performing real estate loans. Investors may earn additional upside as the Fund outperforms.
*The Fund’s targeted net return is a non-guaranteed objective and is subject to market, credit, and execution risks.
What sets ARBOR Fund apart?
Direct Sourcing from Trusted Advisors
Unlike one-off aggregator funds or faceless lenders, ARBOR’s loans are primarily sourced internally – ensuring clean loan files, realistic valuations, borrower clarity, and a consistent pipeline of deals.
Professional Servicing
Serviced by FCI Lender Services, Inc., a nationally trusted servicer, to ensure quality borrower payment services, late fees and collection services, extensions, and foreclosure services.
High-Quality, Diversified Loan Portfolio
ARBOR Fund originates a balanced mix of business-purpose and consumer bridge loans, sourced through disciplined underwriting and prime-market lending standards. This diversified approach strengthens portfolio quality, reduces risk, and supports stable, high-yield performance across changing market conditions.
Aligned Manager Investment
The Fund’s managers are investing $1,000,000 of their own capital, representing 10% of the first $10 million raised. This alignment reinforces our shared commitment to investor success and disciplined growth.
Backed by a proven mortgage powerhouse.
By investing in the ARBOR Fund, you gain access to a proven mortgage powerhouse, diversified bridge lending across both business-purpose and consumer loans, and an attractive income-focused strategy, all backed by ARBOR Financial Group’s extensive industry expertise.
$60BARBOR Financial Group has originated over $60B in mortgage loans.
400+Licensed loan officers nationwide = steady, qualified deal flow.
CentralizedCompliance, loan servicing, and underwriting discipline.
Solves major market gaps.
Industry Inconsistency
Bridge lending often suffers from poor service, weak underwriting, and unreliable quotes leaving borrowers and investors exposed to unnecessary risk.
ARBOR’s Advantage
ARBOR Fund applies its prime lending expertise and disciplined underwriting to deliver transparency, consistency, and institutional-grade quality that most private lenders can’t match.
Fund facts & investment terms.
Fund Facts
- Inception Date
- 1/1/2026
- Strategy
- Income
- Manager
- ARBOR Fund Manager
- Fund Servicer
- Verivest
- Auditor
- Deluca Accountancy
- Legal
- Doss Law LLP
- Loan Servicer
- FCI Lender Services Inc
Investment Information
- Preferred Return
- 7.5%, annual non-cumulative
- Minimum Investment
- $100,000
- Offering Size
- $100,000,000
- Manager Investment
- $1,000,000 committed by principals
- Subscription
- Continuous
- Lock-Up Period
- 1 year
- Distributions
- Quarterly
- Eligibility
- Accredited Investors Only
- Management Fee
- 1.5%
Investor FAQs.
Speak with an ARBOR Fund advisorHow much is my return?
You receive 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, and an 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, and 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?
Borrowers need bridge loans to buy a new property before selling an existing one, for speed, flexibility, or inability to qualify for traditional financing, to rehab, flip, or reposition properties, or for 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, and 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.
Fund leadership.
Ryan O’Kane
Ryan O’Kane is the co-founder of ARBOR Financial Group and managing partner of the ARBOR Fund. Ryan is passionate about leading the ARBOR family of companies into the future of mortgage lending with cutting-edge technology, transparent processes, and a culture where loan officers thrive. A husband and father of four, he enjoys traveling, skiing, golf, mountain biking, and living life to the fullest.
David Arvidson
David Arvidson is a co-founder of ARBOR Financial Group with more than 25 years of financial services experience. Since 1996, he’s built a reputation for designing strategic and disciplined financial solutions for his clients. David is a Certified Financial Planner as well as a graduate of USC (B.S.) and Notre Dame (MBA). David is a Southern California native who has been married for almost 30 years and has four daughters.
Mike Wright
Mike Wright is a Founder and Manager of the ARBOR Fund with 22 years in mortgage lending and $2.3B in funded loans. A Top 100 U.S. Mortgage Broker and former pro athlete, Mike is known for solving complex deals and uncovering overlooked opportunities through strong relationships, strategic insight, and disciplined execution.
Sam Pavoni
Sam Pavoni is Chief Financial Officer of ARBOR Financial Group, overseeing accounting, finance, treasury, and investor relations. A CPA with over 20 years of experience, he has served in CFO and leadership roles across real estate and private companies. Sam began his career at RSM and holds a B.S. in Accounting from USC.
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Open the PDFInvest in the ARBOR Fund.
Gain exposure to high-yield, income-generating real estate lending backed by a proven mortgage powerhouse.
Start your investment journey today by reviewing the offering materials and scheduling a call with an ARBOR Fund advisor.