direct lending
Principal capital, structured by the situation
Central Coast, California - Vineyards
Track Record
PACT by the numbers
PACT lends across California agriculture and U.S. commercial real estate. The depth of sector knowledge differs by asset class. The underwriting standard doesn't.
Loans closed to date.
In closed loans and counting.
Years of experience.
Originated, underwritten, serviced and structured in-house
APPROACH
Credit shaped by the asset and the plan
Direct lending begins with the situation. People, property and plan are reviewed together before structure is determined.
When all three hold up, PACT moves with speed and certainty. Pricing, covenants, timing and risk controls follow from how the asset performs and how the borrower operates.
WHERE CAPITAL IS DEPLOYED
Agriculture and
Commercial Real Estate
Originated, underwritten, funded, and serviced
Credit decisions are made close to the market, and the same team remains accountable throughout the life of the loan. Faster responses. Greater continuity. No handoffs between underwriting and servicing.
Origination
Relationship-led sourcing across operators, sponsors and intermediaries.
Underwriting
People, property and plan reviewed in context.
Structuring
Credit terms aligned with collateral, cash flow and exit path.
Servicing
Life-of-loan administration kept inside the platform.
Capital Advisory
When a transaction is better served by a broader market process, PACT runs it across its banking and lender relationships. Capital placement, recapitalization and ongoing relationship banking advisory. One exclusive partner across multiple lenders.
PACT Standard
PACT is structured around the relationship.
Borrower Promise
