ABOUT PERSEVERE CAPITAL

Institutional-Quality Private Real Estate Credit

​Persevere Capital is a private credit manager with more than 20 years of lending experience and over $650 million in closed real estate debt transactions. Our team has originated, underwritten, and serviced loans through multiple market cycles, including the 2008 financial crisis and the post-2020 interest-rate shock. This long operating history—combined with a disciplined, asset-backed approach—positions us to deliver stable, income-driven returns with meaningful downside protection.  ​We specialize exclusively in collateralized real estate credit, focusing on first and second-position loans secured by residential and select commercial properties in supply-constrained U.S. markets. Our underwriting emphasizes conservative loan-to-value ratios (typically 60–65% LTV) and strong borrower capacity, creating a substantial equity buffer to protect investor capital.  ​Our risk management framework blends real-estate fundamentals with institutional analytics, including stress testing, interest-rate sensitivity, portfolio concentration limits, and covenant-based servicing oversight. As investors alongside our clients, we maintain complete alignment and full transparency across the investment lifecycle.

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Investment Strategy

We focus on originating and managing short-duration, well-secured private real estate loans where:

• The underlying collateral is high-quality and conservatively valued

• The borrower demonstrates real experience and verifiable financial strength

• Project economics provide a natural margin of safety

• The loan structure includes meaningful covenants and lender protections

 

Short-term maturities (typically 12 months) help minimize interest-rate risk and allow rapid portfolio repositioning as market conditions evolve. The result is a strategy built for consistent income — we do not provide mezzanine, equity positions, or unsecured lending.

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Track Record & Market Position

Persevere Capital builds on the seasoned lending platform of Persevere Lending, which has:

• 20+ years of operating history

• More than $650 million in real estate credit transactions

• Over $75 million in current loan assets serviced or advised

• A decade-long yield range of 10–13% across a diversified loan composite

• Historical LTVs averaging approximately 60%, providing robust downside protection​

 

Our long-standing ecosystem of borrowers, builders, and developers generates a steady flow of high-quality lending opportunities.

 

Why Private Real Estate Credit

Private credit secured by real estate offers investors:

• Attractive yield premiums over traditional fixed income

• Low correlation to public markets

• Tangible downside protection via secured liens

• Strong performance across varying interest-rate environments

• Exposure to a fast-growing asset class as banks continue to retreat from direct lending
  (U.S. private credit AUM is projected to exceed $5 trillion by 2029)​

 

Our focus on U.S. single-family and select commercial assets enhances stability, given their favorable supply-demand dynamics and historically lower loss rates relative to unsecured private credit.

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Who We Serve

• Family Offices seeking stable, collateral-backed income

• RIAs & Wealth Managers looking for vetted private credit solutions

• Accredited Investors prioritizing capital preservation and dependable yield

• Real Estate Investment Funds requiring specialized private debt exposure

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Our Commitment

Transparency. Discipline. Performance.​

We manage capital with the same rigor found in institutional credit platforms:

• Conservative, collateral-first underwriting

• Clear communication and monthly income reporting

• Full-cycle loan servicing and monitoring