Why work with Free State Capital?
Many individuals are looking for consistent monthly income—but don’t want to manage tenants, toilets, or rehab projects. At Free State Capital, we offer qualified individuals the opportunity to lend funds directly to us, on a fixed term, fixed return basis.
Why Private Lenders Choose Free State Capital
- Reliable Monthly Income – Lenders receive monthly interest payments for the full term of the loan.
- Fully Passive – We originate, service, and manage the underlying loans. Lenders are not involved with borrower selection or real estate operations.
- Simple Structure – A single promissory note between you and Free State Capital.
- Backed by Real Estate – We only lend on first-position, secured real estate in Maryland.
- Built-In Protections – All underlying loans are supported by title insurance, hazard insurance, borrower vetting, and conservative loan-to-value ratios.
- IRA and 401(k) Compatible – We can work with self-directed IRAs, Roth IRAs, and solo 401(k)s for tax-advantaged interest income.
How It Works
- You lend capital to Free State Capital, LLC for a fixed 12-month term.
- You receive a promissory note detailing rate, maturity, and repayment terms.
- We pay you interest monthly by ACH deposit.
- At the end of the term, you receive your principal back in full.
- If desired, you can roll into a new note or renew.
Who Are Our Private Lenders?
Our lenders are typically individuals who are:
- Looking to generate passive income
- Holding excess cash in savings or money market accounts
- Seeking fixed returns in a secure structure
- Using self-directed IRAs or solo 401(k)s for retirement growth
- Tired of the volatility in the stock market
Important Disclosures
Free State Capital does not offer securities or pooled investments. All lender relationships are direct, private loans between the individual lender and Free State Capital, LLC. Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any investment or security. We recommend that each lender consult their attorney or CPA before lending funds.
Yes! I want to earn passive monthly income on an asset-backed loan to a qualified borrower
Yes! I want to learn more about private lending with Free State Capital
Fill out this short form to learn how to generate a fixed monthly income through private lending. A member of our team will follow up to discuss your goals and address any questions you may have.
Learn More About Private Lending Opportunities
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