Private Lending Investment Thesis: A Smarter Way to Invest in Real Estate Debt
Noble Capital | Alternative Investments
Providing Stability, Security, and Predictable Income through Asset-Backed Private Lending
In a world where equity markets fluctuate and fixed-income yields fall short, Noble Capital offers accredited investors a powerful alternative: Private Lending. Our investment strategy focuses on capital preservation, consistent income, and risk-aware growth, all backed by real estate.
Through a dual approach—Private Lending Direct One (PLDI) and Private Lending Fund I (PLFI)—you gain access to first-lien, asset-backed loans structured for predictable returns and built-in security.
Why Private Lending?
Private lending delivers unique benefits that stand out in any economic environment:
Tangible Asset Security
Every loan is first-lien, senior-secured, and backed by real estate in Texas, ensuring strong principal protection.
Consistent Passive Income
Earn monthly or quarterly cash flow, regardless of stock market volatility.
Short-Term, Predictable Returns
Most loans mature in 12–18 months, allowing for efficient capital turnover and reinvestment.
Institutional-Grade Underwriting
Each loan goes through our proprietary 5 C’s of Underwriting—Cash, Collateral, Credit, Credentials, and Character—to reduce risk and boost confidence.
Two Paths to Private Lending with Noble Capital
1. PLDI – Private Lending Direct One
Take direct control by investing in specific, pre-vetted real estate loans.
Highlights:
- Invest in short-term (12–18 month) loans secured by Texas residential real estate
- Target returns: 7–9% annually, paid monthly
- Conservative lending standards (max 70% LTV, 80–90% LTC)
- Full transparency and individual loan ownership
2. PLFI – Private Lending Fund I
Choose a hands-off, diversified fund structure that simplifies the process.
Highlights:
- Automatic diversification across many loans
- Target returns: 7.5% annually
- Income or reinvestment options
- Two-year lock-up period + one-year wind-down for added capital security
A Proven Strategy with Built-in Safeguards
First-Lien Security: All loans are backed by real property.
In-House Underwriting & Servicing: We originate, underwrite, and service every loan.
Strict Loan Standards: Every deal must meet our 5 C’s criteria.
IRA-Friendly: Approved for IRAs, Roth IRAs, and 401(k)s for tax-deferred or tax-free growth.
Is Noble Capital Private Lending Right for You?
Our solutions are ideal for accredited investors who want:
- Stable, passive income
- Low exposure to market volatility
- Diversified real estate-backed credit
- A turnkey lending experience
Whether you want to hand-pick loans or invest through a fund, our private lending platform offers a modern alternative to traditional fixed income.
Learn More & Start Investing
Contact our team to build a custom private lending strategy that aligns with your goals.