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Common Questions by Investors

Transparency in real estate investing is paramount. We are committed to answering all your questions and guiding you through the real estate landscape. With clarity and understanding, you can make sound decisions that will bring you closer to your financial goals through real estate investing.

What is my expected return?

Currently approximately 9.6%, with an expected range of 9.6-11.0% overall

Returns may fluctuate a bit to the upside if in fact rates go up again, it is not anticipated that they go down much if any

When does my interest start? How often is my interest paid?

Interest starts 90 days after the investment is made. That is called the deployment period 

Interest will be paid monthly or reinvested if you so desire

How long is the investment for? What if I want out early? What other conditions might occur relative to timing?

The limited partnership is perpetual. Theoretically the investment can last more than 20 years. It is entirely likely that at 7-8 years the partnership will be liquidated & funds distributed

If you would like out early, after a holding period of 18 months from subscription, you can make a redemption request & within 90-days, on a best-efforts basis, you will receive a distribution

Should there be any event that the Sponsor deems has put the goal of the partnership at risk, at the sole discretion of the GP/Sponsor the fund may be liquidated & capital distributed

What fees am I paying? Are there any other costs (actual expenses)?

There are no subscription fees or distribution fees, when staying within the PPM parameters, there may be an emergency liquidation fee as described in the PPM.

There is a 2% annual management fee, earned & paid by the income received

There are modest expenses of the partnership for accounting, legal, & other miscellaneous costs which will be paid from earnings as well

All other revenue will be distributed in line with the terms of the PPM How do you find the borrowers to make the loans?

We have multiple sources of borrowers in addition to word of mouth, as we have been in the business for over 40 years & borrowers come to us when we have capital

Additionally, we have a network of trusted brokers who look to us to fund some of their transactions

Plus, the private lending community, like the hard money broker community makes loans available to firms like Fund XI

In what states do you make loans?

We lend in most of the lower 48 with some exceptions being states with high regulatory risk factors, including Maine, ND, SD, FL, NJ, NY and DC, so although licensed, actual loans are in about a dozen states.

We also have some states we are cautious in, like currently Florida.

Rules are changing all of the time, so Maine just had some very favorable court decisions, so while we have not lent there, we may look again. Out network stays on top or the regulatory climates.

Once my investment is made, how are the assets managed and kept track of? 

We have third party loan servicing and accounting to complement our internal accounting.

We have internal portfolio review & underwriting.

All funds flow through national banks 

What is the impact of market fluctuations on the portfolio? 

There is little or no impact on the loan portfolio itself in general or interest rate market fluctuations. 

There may be changes in the value of the collateral in market fluctuations, but most of the time, that collateral needs to change at least 30% negatively AND the borrower has to default before there is any impact on the portfolio. 

How often do you plan on communicating with investors? And what will the details of those communications be?

We will communicate monthly with distribution checks & possibly modest state of affairs of the portfolio.

We will communicate quarterly with full financial statements and a comprehensive state of affairs of the Fund XI & the portfolio.

We will also answer questions anytime regarding any issues or questions.

Are there any conflicts of interest?

We pride ourselves in the effort to align our interests with those of our Limited Partner/Unit Holder/Investors. Some of the ways we do that are:

- We do not lend to ourselves

- We do not lend to parties related to any of the principals

- We do not lend to any of our equity interest partnerships

And our revenue does not come from raising the capital or making the loans. Our management fees come from collecting return for our investors and a modest participation when we collect a higher return

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MORE ABOUT US

Our Mission

Our mission is to build and maintain a transparent partnership with our investors. We focus on strengthening the EQUITY CAPITAL FUNDING GROUP brand, attracting new investors, and nurturing existing relationships to foster long-term growth and success. By prioritizing the financial goals of our investors, we pledge to exceed their expectations and ensure their financial security and prosperity through sound investment strategies and unparalleled market expertise.

Who We Are

Equity Capital Funding Group is dedicated to empowering investors with the opportunities necessary for sustained financial growth and security. Leveraging our extensive expertise in both residential and commercial real estate investing, we are committed to safeguarding and enhancing investor capital through strategic, informed private lending. Our 35+ years of experience in the real estate sector positions us as trusted advisors within the real estate community.

Partner With EQUITY CAPITAL Today. Stay Informed, Stay Ahead

Investing is about more than growing wealth—it’s about securing a future you can count on. At EQUITY CAPITAL FUNDING GROUP, we make investing simple, transparent, and aligned with protecting your capital.

We help real estate investors get stable predictable high yield private lending debt, secured by real estate, with a protection of principal escrow provided by the sponsor and redemption clause features provided for liquidity.

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This does not constitute an offer to sell, or a solicitation of an offer to buy any interests in the Equity Capital Funding Group Fund XI private lending fund. Any offering of securities or solicitation in connection with the sale of securities will be made pursuant to offering documents. Investing in private real estate funds and notes secured by real estate has certain inherent risks, which could result in the loss of some or all of your principal investment. Past performance stated herein is not an indicator of future results and Equity Capital Funding Group or its affiliates can in no way guarantee or warrant your success. Consult your tax advisor or financial advisor before investing. Please see the Fund’s offering documents for full details and disclosures.