Refuge Rock is a private real-estate debt firm. We lend against real assets, secured and first in line — and we build the structure so that the people who supply the capital are protected first.
Secured private debt notes to vetted residential builders on shovel-ready projects — the proving ground for the entire discipline.
Senior secured financing for power-ready data-center sites — long-duration assets backed by hyperscale demand and hard infrastructure.
Disciplined acquisition of cash-flowing operating businesses, structured with the same first-position rigor we apply to every loan.
No deal enters the portfolio unless it clears all five of these. They are not preferences — they are conditions, applied to every loan, before capital moves.
We lend in the senior, secured position — first in line, backed by a deed of trust on real property. If a loan is ever impaired, we are first to recover against real collateral.
We lend against a disciplined share of a property's value, on a sound basis — leaving a cushion of equity beneath every loan so a market move doesn't erase the protection.
No single loan exceeds a hard cap of the portfolio. Diversification across positions means no one deal can determine the whole portfolio's outcome.
We fund projects with their permits and approvals in hand — not speculative plans waiting on a decision outside our control.
A third-party administrator keeps the books and an independent auditor reviews them. The numbers are checked by people who don't work for us.
Every loan we make is built from the same four layers of protection. Walk through each one — collateral, priority, terms, oversight — and see how they stack to put us first in line, with a real asset beneath.
A tangible asset stands behind every dollar — not a projection or a promise. If anything goes wrong, there is something real to claim and sell.
Closing Opportunity
A disciplined, secured-first vehicle for allocators who value clarity, conviction, and capital that compounds on solid ground.
