Participate as the lender, not the landlord.
Miami-based. Direct lender. Every deal in its own ring-fenced Delaware LLC.
Return figures are projections — subject to tier rate based on amount invested and a multi-year commitment.
Three reasons investors stop looking elsewhere.
You participate as the lender.
Put your capital to work earning interest — secured by real property, with none of the headaches of being a landlord.
Real property. Real security.
First-lien mortgages on physical property you can identify. You always know the exact asset standing behind your money.
Earned monthly. Paid quarterly.
Your return accrues every month and lands in your account as cash every quarter — subject to applicable reserves and the other disclosures in the offering documents. Spread locked from day one — the rate adjusts with Term SOFR.
A private lending company backed by real estate, for people who want their money working harder.
Koda Financial is a Miami-based private lending platform. We make short-term loans to commercial real estate borrowers, and every loan is backed by the property itself. Investors earn a fixed annual return, paid out every quarter, in cash.
What We Do
We lend money to experienced real estate operators who need fast, short-term financing — usually to buy, renovate, or reposition an investment property. Each loan is secured by that property.
The Loans We Make
Short-term bridge loans on U.S. investment properties — single-family, condos, duplexes, multifamily, and land — typically 12 to 24 months, used to acquire, renovate, reposition, or stabilize a property. Every loan is senior-secured by a first-lien mortgage on the property.
What You Earn
You earn estimated returns of up to 49.5% cumulative, paid to you in cash every quarter. All return figures are estimates, not guarantees — your exact rate depends on your tier and commitment term.
How You're Protected
Your investment is tied to a real, physical property — not a promise. If a loan underperforms, the property itself stands behind your capital.
Reaching accredited investors across 28+ countries
LATAM. Europe. Asia. One platform.
Four steps. That's the whole thing.
Review & subscribe
Request the PPM and tier schedule, review the offering and its risk disclosures, and sign your Servicing Agreement at the tier that matches your commitment.
Fund your escrow
Wire your capital to the independent escrow agent — not to Koda. Funds are held under written release conditions, with a 90-day return right if no loan is executed.
Elect your loan
Review the Loan Summary Report for each available loan — the property, terms, and borrower — and elect the one you want to fund. Nothing deploys without your approval.
Deploy & get paid
Your capital deploys into that loan's Series LLC. Returns accrue monthly and pay out quarterly in cash, subject to applicable reserves.
Quarterly distributions are subject to applicable reserves and the terms of the offering documents.
What everyone asks first.
Is my money pooled in with other loans?
Not with other loans. Your capital is gathered together with other investors into one single-loan LLC — a loan you elected, so it's never a blind loan pool. You hold a direct membership percentage in that LLC.
How is my rate set — is it fixed?
Your spread is locked according to your tier at subscription — the spread never changes. The overall rate adjusts with Term SOFR, providing upside with additional interest if SOFR increases, while protected on the downside by loan floor caps and minimum interest requirements.
What backs my investment?
Every loan is backed by a complete first-lien collateral package: a first-priority mortgage on the property, personal and corporate guaranties, assignment of rents, and title and hazard insurance. On top of that, your loan sits in its own Delaware Series LLC — ring-fenced from every other loan — your capital is held in independent escrow until release conditions are met, and there's a documented enforcement path if a borrower defaults.
Who can invest?
Accredited investors, starting at $100,000 USD.
When do I get paid?
Every quarter, in cash — subject to applicable reserves. Your spread is locked at subscription; the rate adjusts with Term SOFR.
Want the deep detail? It's all in the PPM — request it below.
Request more info and current loan list.
Tell us your commitment range and we'll send your exact tier rate, the active Loan Summary Reports, and the full Private Placement Memorandum.