| Program | Loan Size | Rate | LTV / LTC | Term / Amort | Guaranty |
|---|---|---|---|---|---|
| Permanent Financing | $3M – $50M | Fixed 4.0% – 6.5% | 75% / 80% | 10 yr / 30 yr | Recourse & Non-Recourse |
| Bridge Loan | $2M – $50M | Float 6.0% – 12.0% | 85% / 85% | Up to 5 yr I/O | Recourse |
| Construction | $2M – $50M | Float 7.0% – 12.0% | 80% / 80% | Up to 5 yr · Milestone draws | Recourse |
| Mezzanine / Pref Equity | $1M – $10M | 12% – 20% | Combined 85% / 85% | Custom tranches | Recourse |
| C-PACE | $1M – $50M | Fixed 6.0% – 8.0% | Assessment-to-Value ≤ 25% | Up to 30 yr | Non-Recourse |
| SBA 7(a) | Up to $5M | Prime + 1.00% – 2.75% | Up to 95% | Up to 25 yr | Federal (SBA) |
| Program | Rail | Senior / Junior | Senior Target Yield | Custody & Settlement |
|---|---|---|---|---|
| Permanent | Tokenized pool (Centrifuge) | 80% / 20% | 5.0% – 6.5% | BitGo Bank & Trust |
| Bridge | Tokenized pool (Centrifuge) | 75% / 25% | 6.5% – 8.5% | BitGo Bank & Trust |
| Construction | Digital escrow · milestone draws | 80% / 20% at stabilization | 7.0% – 9.0% | BitGo Bank & Trust · signed lien-waiver exchange |
| Mezzanine | Fractional credit facility | Custom | 10% – 15% | BitGo Bank & Trust |
| C-PACE | Tokenized pool (Centrifuge) | 90% / 10% | 5.5% – 7.0% | BitGo Bank & Trust |
| SBA 7(a) | Guaranteed-strip participation | SBA-guaranteed portion only | Prime-linked | BitGo Bank & Trust |
Senior share class is sold under Reg D Rule 506(c) to KYC-verified accredited and institutional investors on Centrifuge pool infrastructure. Junior first-loss is retained by LDX Capital on every pool — skin in the game on every deal, always.
Bridge pool illustrative split — actual ratios range 65/35 to 90/10 by program.