Invest in First‑Position Mortgages
Fund a single Tennessee real estate loan, secured by a first lien recorded in your name. You are the lender — not a shareholder in a fund.
Or call us direct — (615) 989-0020
Most private lending offers ask you to buy into a pool. This is the opposite.
Scale Private Capital originates first-position loans on Tennessee investment property. When we place one with an investor, the note and deed of trust are assigned into your name and recorded in the county where the property sits. One investor, one loan, one lien.
You review the property, the scope of work, the valuation, and the borrower before you commit a dollar. We underwrite it, we service it, and we handle the borrower — but the security instrument is yours, in first position, on a specific address you can go stand in front of.
Four steps.
1. We send you the deal
The property, the photos, the scope of work, our valuation, the borrower's track record, and the terms. Everything we used to underwrite it.
2. You decide
Fund it or pass. Nothing is ever allocated to you without your review and written consent.
3. You fund at closing
Funds go through the title company. The note is made payable to you and the deed of trust is recorded in your name, in first position.
4. We service it
We collect, we manage draws, we chase the borrower if we have to. You receive payments. When the project pays off, your principal returns.
What stands behind the loan.
First lien position
Recorded ahead of every other claim on the property. Nothing sits in front of you.
65% of after-repair value
We cap loans at or below 65% ARV. The equity cushion between the loan and the property's value is the protection.
Title insurance
A lender's title policy issued in your name, confirming your position on the property.
Hazard insurance
Property coverage with you named as mortgagee, so the asset securing your loan stays insured.
Security features describe how loans are structured. They reduce risk; they do not eliminate it.
Ask us what it pays.
We'd rather show you a real loan than quote you an average.
We don't publish a rate on this page. The return on a first-position loan depends on the property, the borrower, and the term — and an average would tell you nothing useful about the specific loan you'd actually be funding.
So here's what we'll do instead. Call us and we'll walk you through a live deal: the address, the photos, the scope of work, our valuation, the borrower's track record, and the actual note — rate, term, and all. Then you decide whether the number is worth your capital.
No obligation, and no commitment until you've seen the paperwork you'd be signing.
Understand the shape of it: loans typically run six to twelve months, interest accrues on the outstanding balance, and your principal is returned when the borrower pays off. Any loan can underperform or default, and past performance does not indicate future results.
The risks, plainly.
Your principal is at risk. These loans are not insured or guaranteed by the FDIC, by any government agency, or by Scale Private Capital. You can lose money, including all of it.
Borrowers default. A default can mean months of delay, legal and foreclosure costs, and a recovery below what you lent — particularly if the property's value moves against you or the rehab was not completed.
Your money is illiquid. There is no secondary market and no early redemption. If a project runs long, your capital stays in the deal until it pays off.
Real estate values move. The equity cushion that protects you is based on a valuation at origination. Markets change.
You are relying on our underwriting and servicing. We built our standards over twenty years of buying, building and renting Tennessee property, and we lend our own capital on the same terms — but judgment is judgment, and ours can be wrong.
Who this suits.
A good fit if
You want to be secured by a specific property, you can commit capital for six to twelve months without needing it back early, you can absorb a loss on a deal, and you want to review each loan yourself.
Not a fit if
You need the money accessible, you're looking for a guaranteed or insured return, you want to be diversified across many loans at once, or you'd rather not look at the underlying property.
First-position mortgage investing, answered.
Am I the lender of record?
Yes. On every loan we place, the note and the deed of trust are assigned into your name and the deed of trust is recorded in the county where the property sits. You are in first position. Scale originates, underwrites, and services the loan, but the security instrument is yours - it is not held by us, and it is not pooled with anyone else's money.
What does "first position" actually mean?
Your lien is recorded ahead of every other claim on the property. If the loan defaults and the property is sold or foreclosed, you are paid before any junior lienholder, and before the borrower sees a dollar. It is the senior secured position on the asset.
How much of the property's value is the loan?
We underwrite at or below 65% of the after-repair value. That means the loan you fund is secured by a property we believe to be worth substantially more than the loan itself - the equity cushion is the protection, and it is the same standard we apply to loans we hold ourselves.
What happens if the borrower stops paying?
We service the loan, so we make the collection calls, issue the demand, and manage the foreclosure if it comes to that. You are not chasing a borrower. But it is your lien and your decision on how to proceed, and a default can mean delay, legal cost, or - in a bad case - a loss of principal.
How long is my money committed?
These are short-term loans, typically six to twelve months, tied to a fix-and-flip or bridge timeline. Your principal comes back when the borrower pays off. There is no early redemption and no secondary market - if the project runs long, your capital stays in the deal.
Do I choose which loans I fund?
Yes. We send you the property, the scope of work, the valuation, the borrower's background, and the terms. You decide whether to fund it. Nothing is allocated to you without your review and consent.
What's the minimum?
It varies with the loan. Because you are funding one whole loan rather than buying into a pool, the minimum is the loan amount - so it is generally suited to investors placing meaningful capital per deal. Talk to us about what you're looking to deploy.
Do you invest alongside investors?
We originate and hold loans on our own balance sheet, and we underwrite every loan the same way regardless of who funds it. We do not run a separate standard for placed loans.
See an actual loan.
Tell us what you're looking to deploy and we'll put a real loan in front of you — the property, the borrower, the note, and the paperwork you'd be signing.
Important. This page is for informational purposes only. It is not an offer to sell, or a solicitation of an offer to buy, any security or investment, and it is not investment, legal, tax, or accounting advice. Nothing here is a recommendation that any investment is suitable for you. Mortgage investments involve substantial risk, including possible loss of principal, and are not insured or guaranteed by the FDIC, any government agency, or Scale Private Capital. Loans are made for business purposes only. Any investment would be made only pursuant to definitive written documents and after independent review. Consult your own legal, tax, and financial advisors before investing.