Niche focus Direct hard money lending to real estate investors in New Jersey with fast, collateral-driven financing and a focus on non-owner-occupied properties, presenting an opportunity to partner with regional real estate developers and flippers seeking quick closings.

Loan characteristics Loan amounts up to one million, short term typically up to one year with case-by-case longer terms, strong loan-to-value highlights (up to 90% acquisition cost, up to 65% ARV), and upfront points indicating a fast credit decision model ideal for short-term investors.

Rate and terms High interest environment signals opportunities to cross-sell advisory services and capital optimization, while the upfront points and 14-15% rates suggest positioning Lavallette Capital as an alternative for borrowers seeking streamlined closings and flexible construction draws.

Tech & efficiency Utilizes cloud and web tech (AWS, React, PWA) and streamlined closing processes, which can be leveraged in outreach to fintech-adjacent developers and scale-focused investors seeking efficient, tech-enabled lenders.

Growth potential Revenue in the small-to-mid multi-million range with a lean headcount; potential partnerships with larger private equity or broker networks to scale originations, including capital advisory services to the specialty finance ecosystem.