About

Portfolio

Insights

Team

Contact

Risk Management

Risk Management

Providence Capital Group

Secure Investments

Secure Investments

Real Estate Lending

Providence employs a disciplined approach to risk management through strict loan criteria, comprehensive guarantees, zero loan portfolio leverage and strategic reserves.

Full Recourse Guarantees

All loans fully recourse with personal guarantees, including “bad boy acts”, completion, interest carry, and repayment guarantees.

Strategic Reserves

6–12-month prepaid interest reserves and dedicated construction draw accounts, ensuring loan payments continue even if borrowers face temporary cash flow challenges or project delays.

Active Servicing

In-house loan servicing with regular site visits, draw management, and direct borrower communication to identify issues early.

Conservative Underwriting

Average 60% LTV with substantial equity cushions. Focus on high-growth markets with strong fundamentals and proven sponsors..

Quality Control

Providence’s experienced team has seasoned professionals with institutional investment, development, and fund management backgrounds, as well as independent auditors, administrators and board advisors, as well as independent auditors and fund administrators.

Ability to Perform Workout or Takeover

Providence’s experienced internal development and project management team provides the expertise necessary to complete workouts or full takeovers of non-performing loans.

Track Record Validation

Zero

Foreclosure Losses

Conservative underwriting with experienced internal project management provides principal protection.

Zero

Deal-Level Losses

No realized losses since the Fund’s inception in 2022

Consistent

Performance

Performance

Conservative underwriting with experienced internal project management provides principal protection.

Risk Management

Risk Management

Real Estate Equity

The Providence Capital Group executes with a disciplined approach to protecting investor capital through conservative underwriting and active oversight.

Senior Housing

Senior Housing

Investment Controls

The strategy is grounded in rigorous due diligence, including comprehensive analysis of the property, local market dynamics, and financial performance, alongside conservative underwriting that relies on stress-tested assumptions and multiple exit scenarios to protect capital and manage risk.

Investment Controls

The strategy is grounded in rigorous due diligence, including comprehensive analysis of the property, local market dynamics, and financial performance, alongside conservative underwriting that relies on stress-tested assumptions and multiple exit scenarios to protect capital and manage risk.

Quality Control & Innovation

Vertically integrated management through Unbridled Living reduces reliance on third-party operators and mitigate execution risk. With decades of combined senior housing operating experience, the team provides direct oversight and keep operations aligned with the business plan.

Quality Control & Innovation

Vertically integrated management through Unbridled Living reduces reliance on third-party operators and mitigate execution risk. With decades of combined senior housing operating experience, the team provides direct oversight and keep operations aligned with the business plan.

Financial Discipline

The approach uses disciplined leverage, targeting 60 to 70 percent loan-to-value and prioritizing non-recourse debt when available. It also maintains adequate liquidity reserves at the asset level, supported by third-party fund administration and annual audits to reinforce transparency and controls.

Financial Discipline

The approach uses disciplined leverage, targeting 60 to 70 percent loan-to-value and prioritizing non-recourse debt when available. It also maintains adequate liquidity reserves at the asset level, supported by third-party fund administration and annual audits to reinforce transparency and controls.

Built-in Downside Protection

Acquiring assets at a discount to replacement cost provides a meaningful equity cushion, while demographic tailwinds support long-term demand. Investing in high barrier-to-entry markets further limits new competition, strengthening occupancy resilience and pricing power over time.

Built-in Downside Protection

Acquiring assets at a discount to replacement cost provides a meaningful equity cushion, while demographic tailwinds support long-term demand. Investing in high barrier-to-entry markets further limits new competition, strengthening occupancy resilience and pricing power over time.

Institutional Investment Depth With Boutique, Relationship-Driven Execution

Start a conversation