Overview

Institutional-Grade Asset-Backed Lending for Stable, High-Yield Returns Carta Capital operates as the lending division of Clotine Capital, specializing in short-term, asset-backed loans for residential real estate developers. By leveraging a rigorous underwriting process and maintaining first-position secured loans, this investment arm provides a low-risk, high-cash-flow opportunity backed by real estate assets. Investment Highlights: ✔ Fully Collateralized by Real Estate & Fund Assets ✔ 6-8 Month Lending Cycles with seamless reinvestment options ✔ Monthly Distributions from interest-only loan payments ✔ Loans Secured at a Maximum 70% Loan-to-Value (LTV) ✔ Risk-Managed, Scalable Lending Model Lending Strategy & Risk Management: 📌 Asset-Backed Loans – Focused on residential development projects 📌 First-Position Liens – Ensuring direct collateral protection 📌 Proven Track Record – <1% historical default rate with full recovery 📌 Thorough Underwriting – Property valuations, borrower liquidity, and experience assessment 📌 Protective Measures – Title policies, hazard insurance, and legal due diligence on all loans How It Works: 1️⃣ Investor capital is deployed into active lending cycles 2️⃣ Loans are originated, underwritten, and secured 3️⃣ Borrowers repay with interest, generating steady cash flow 4️⃣ Capital is reinvested into new loans unless a withdrawal is requested Carta Capital’s lending model ensures predictable income, asset-backed security, and scalability within Clotine Capital’s investment portfolio.