Private Credit
Our approach emphasizes capital preservation, scalable origination, and real-time portfolio oversight -- designed to meet the expectations of sophisticated investors seeking durable income and downside protection. protection.
Assets deployed
$4B+
Deep experience in private credit going back to
2008
What We Do
Provide First-Lien, Short-Duration Credit Exposure
- 100% first-lien secured loan
- Liquid Residential Property as Collateral
- Uncorrelated return profile with low duration and monthly cash income
- Diversified borrower base of repeat operators underserved by banks
How We Invest
Technology + Institutional Underwriting
Alameda leverages real-time MLS data, proprietary valuation models, credit automation, and manual underwriting to evaluate each loan with depth and precision.
Sourcing
Multi-channel intake across lenders.
Screening
Automated credit filters, fraud analytics, and sponsor scoring.
Underwriting
Collateral review, feasibility studies, liquidity verification, and full file audit.
Monitoring
Weekly surveillance, construction draw inspections, and risk-classification alerts.
Our Edge
Vertically Integrated
Control over origination, underwriting, servicing, and data—no reliance on third-party brokers.
Technology Driven
Proprietary analytics deliver better pricing, faster decisioning, and improved credit outcomes.
Risk Anchored
Every investment is evaluated through a downside-first lens, with conservative structuring and sponsor selection.
Aligned With Investors
Principals commit significant personal capital and compensation is tied to long-term results.
Why Alameda Credit
Attractive Income With Structural Downside Protection
Residential transitional loans offer a compelling fixed-income alternative:
- First-lien senior secured
- Investment backed by hard real assets
- Short duration reduces mark-to-market volatility
- Low correlation to public markets
- Foreclosure laws in key MSAs support strong recovery rates
Real Estate bridge loans historically outperform traditional fixed income categories including investment grade, high yield, REITs, and Treasuries.
Market Opportunity
A Structural $100B+ Capital Gap
Regulated banks continue to retreat from residential investment lending due to reserve requirements and capital constraints, leaving experienced developers with limited financing options.
Long-Term Tailwinds
- Aging U.S. housing stock (median home age now 40+ years)
- 1.5M+ housing unit shortage across the U.S.
- Rising labor markets and household formation
- Strong exit liquidity for borrowers in coastal markets
This persistent imbalance creates consistent demand for short-term, project-based credit.
Get in Touch
If you’d like more information about our credit strategy, fund materials, or partnership opportunities, our team would be happy to speak with you.
Richard@alamedacapital.com
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