Capital invested in EC Capital Fund is deployed as first-lien loans through Easy Cash Loans, our dedicated lending arm — with borrower pipeline and market intelligence supplied by our sister company, Easy Cash Deal. Here is exactly how the structure works, what it costs you (nothing), and what you receive.
Your capital is never idle equity in a black box. It is pooled in the fund, loaned out through Easy Cash Loans against recorded first-lien mortgages, and repaid with interest that funds your monthly distributions.
Verified under Rule 506(c). $25,000 minimum. Class B non-managing members.
The investment vehicle. Pools investor capital under one PA LLC — Easy Cash Loans LLC, d/b/a EC Capital Fund.
The lending arm. Fund capital is deployed here to issue and service every first-lien loan.
Vetted Eastern PA operators — 5+ completed flips, 600+ credit, personal guaranty.
Most private lenders buy deal flow cold. We built ours. Easy Cash Deal, our sister company, is a vertically integrated real estate business that acquires, renovates, and sells across Eastern Pennsylvania — completing 150+ transactions every year.
That operation feeds Easy Cash Loans a continuous pipeline of proven borrowers, keeps our ARV assumptions honest with live market data, and gives the fund operational muscle — contractors, title relationships, and disposition channels — if a loan ever needs to be worked out.
150+ real estate transactions completed annually across the fund’s eight-county footprint.
Operators, licensed agents, and renovation crews working the same markets the fund lends in.
A built-in stream of pre-vetted, repeat borrowers — deal flow the fund never has to cold-source.
Acquisition, renovation, and disposition under one roof — live comps and cost data for every underwrite.
Shared infrastructure keeps fund overhead low — and gives us the crews to finish a project if a borrower cannot.
No investor management fee. No subscription or entry fee. Manager compensation comes from borrower-paid charges and from profits only after your preferred return is paid in full.
Alignment, by design. The managers are paid by borrowers for doing the lending work — and share in profits only after your preferred return is satisfied. Nothing is skimmed from your capital on the way in, and nothing is charged against it while it works.
A summary of principal terms. The Private Placement Memorandum and Operating Agreement govern in full.
Summary only. See the PPM for complete terms, conditions, and risk factors before investing.
Within 30 days of each month-end: portfolio summary, new originations, active-loan updates, fund cash flow — and your distribution deposited directly to your account.
CPA-prepared, full-year fund financial statements and a capital account statement showing every movement — with your Schedule K-1 issued no later than March 31.
Prompt notification of any default, foreclosure filing, significant market development, or change to fund terms or key personnel. No surprises, ever.
24/7 access to your capital account balance, the active loan book, your distribution history, and fund documents — all in one place.
Active loans, new originations, cash flow, and your distribution — within 30 days of month-end.
CPA-prepared full-year statements; K-1 issued by March 31.
Immediate notice of defaults, filings, or material changes to the fund.
Real-time access to your balance, the loan book, and distribution history.
Five preferred-return tiers from 8% to 12%, paid monthly — plus illustrative two-year scenarios.