Asset Classes

Agriculture & Commercial Real Estate

Two sectors with distinct underwriting processes structured with the same level of care. People, property and plan applied at every transaction size, from a single conforming loan to a nine-figure institutional mandate.

PACT operates across two sectors with the same underwriting standard — people, property, plan — applied at every transaction size, from a plan conforming loan to a nine-figure institutional mandate.

PACT operates across two sectors with the same underwriting standard — people, property, plan — applied at every transaction size, from a plan conforming loan to a nine-figure institutional mandate.

Aerial view of vineyard blocks divided by dirt roads in Paso Robles, California — permanent-crop farmland.

Paso Robles, California - Vineyards

Numbers Across Asset Classes

Capital Deployed

$0MM
$0MM
$0MM

Acres Financed

0
0
0

Loan Types

0
0
0

Loan Size

$0MM –
$0MM –
$0MM –
$0MM+
$0MM+
$0MM+
Mature orchard trees along a dirt access road in the Sacramento Valley, California — permanent plantings.

Sacramento Valley, California - Permanent Plantings

Agriculture

Farm, Ranch and Agribusiness

PACT finances agriculture predominantly across California. Operating land, producing acreage, permanent-crop development, processing, storage and vertically integrated operations. Each transaction is reviewed through borrower capability, land quality, water position and the plan behind the asset.

SUB-ASSET CLASSES

Farm & Ranch
Permanent Crops
Agribusiness
Processing & Storage
Row Crop
Succession Credit
Mature orchard trees along a dirt access road in the Sacramento Valley, California — permanent plantings.

Sacramento Valley, California - Permanent Plantings

Agriculture

Farm, Ranch and Agribusiness

PACT finances agriculture predominantly across California. Operating land, producing acreage, permanent-crop development, processing, storage and vertically integrated operations. Each transaction is reviewed through borrower capability, land quality, water position and the plan behind the asset.

SUB-ASSET CLASSES

Farm & Ranch
Permanent Crops
Agribusiness
Processing & Storage
Row Crop
Succession Credit
Mature orchard trees along a dirt access road in the Sacramento Valley, California — permanent plantings.

Sacramento Valley, California - Permanent Plantings

Agriculture

Farm, Ranch and Agribusiness

PACT finances agriculture predominantly across California. Operating land, producing acreage, permanent-crop development, processing, storage and vertically integrated operations. Each transaction is reviewed through borrower capability, land quality, water position and the plan behind the asset.

SUB-ASSET CLASSES

Farm & Ranch
Permanent Crops
Agribusiness
Processing & Storage
Row Crop
Succession Credit
Aerial view down onto a green field bordered by roads, trees and houses — farmland at the urban edge.
Housing Capital

Entitlement, capital, and path to completion

California-anchored. The development arc between agricultural use and stabilized commercial real estate. Acquisition, entitlement, horizontal improvements and vertical construction. Sponsor track record, entitlement progress and a credible path to completion or sale reviewed together.

SUB-ASSET CLASSES

Land & Entitlement
Horizontal Development
Vertical Construction
Aerial view down onto a green field bordered by roads, trees and houses — farmland at the urban edge.
Housing Capital

Entitlement, capital, and path to completion

California-anchored. The development arc between agricultural use and stabilized commercial real estate. Acquisition, entitlement, horizontal improvements and vertical construction. Sponsor track record, entitlement progress and a credible path to completion or sale reviewed together.

SUB-ASSET CLASSES

Land & Entitlement
Horizontal Development
Vertical Construction
Aerial view down onto a green field bordered by roads, trees and houses — farmland at the urban edge.
Housing Capital

Entitlement, capital, and path to completion

California-anchored. The development arc between agricultural use and stabilized commercial real estate. Acquisition, entitlement, horizontal improvements and vertical construction. Sponsor track record, entitlement progress and a credible path to completion or sale reviewed together.

SUB-ASSET CLASSES

Land & Entitlement
Horizontal Development
Vertical Construction
A person cycling on a path in front of a modern dark-facade office building with hedges.
COMMERCIAL REAL ESTATE

Collateral, cash flow, and execution path

PACT lends and advises across income-producing and transitional commercial real estate. Each transaction is evaluated against collateral position, in-place and projected cash flow, sponsor track record and a credible plan to a defined exit.

SUB-ASSET CLASSES

MULTIFAMILY
INDUSTRIAL
RETAIL & NET-LEASE
MIXED-USE
HOSPITALITY
SPECIAL PURPOSE
A person cycling on a path in front of a modern dark-facade office building with hedges.
COMMERCIAL REAL ESTATE

Collateral, cash flow, and execution path

PACT lends and advises across income-producing and transitional commercial real estate. Each transaction is evaluated against collateral position, in-place and projected cash flow, sponsor track record and a credible plan to a defined exit.

SUB-ASSET CLASSES

MULTIFAMILY
INDUSTRIAL
RETAIL & NET-LEASE
MIXED-USE
HOSPITALITY
SPECIAL PURPOSE
A person cycling on a path in front of a modern dark-facade office building with hedges.
COMMERCIAL REAL ESTATE

Collateral, cash flow, and execution path

PACT lends and advises across income-producing and transitional commercial real estate. Each transaction is evaluated against collateral position, in-place and projected cash flow, sponsor track record and a credible plan to a defined exit.

SUB-ASSET CLASSES

MULTIFAMILY
INDUSTRIAL
RETAIL & NET-LEASE
MIXED-USE
HOSPITALITY
SPECIAL PURPOSE
Curved pedestrian overpass in front of a modern dark gridded building at sunset.
Next Step

Discuss a transaction or capital allocation with the firm

Curved pedestrian overpass in front of a modern dark gridded building at sunset.
Next Step

Discuss a transaction or capital allocation with the firm