Reef Private Credit
Marcella in Park City, Utah
Reef Private Credit is a specialized asset-based lender
We originate, underwrite, fund, and manage high-yield, short-term mortgage loans tailored to the needs of professional real estate investors and developers across the Western United States.
For more than 20 years, we have provided a comprehensive range of capital solutions, including bridge loans, construction financing, and mezzanine debt, delivering value through innovative and customized strategies tailored to our borrowers’ needs.
Assets Under Management (AUM)
Senior Debt Lending Parameters:
Loan Term: 3–36 months
Rates: 8%–12%
Origination: 1.0%–4.0%
Loan Size: $3mm – $20mm
Footprint: National with strong Mountain West and Sunbelt focus
Property Type: Varies (no senior housing, no vice-asset classes)
Recourse: Limited
Funding: 1–4 weeks
Prepayment Penalties: Limited
LTV: Up to 75%
LTC: Up to 85%
Past Deals
