Be the Bank, Not the Borrower: 10% - 12% Fixed Returns via Private Lending

The Capital Shift · Jun 3, 2026 · 27m · transcript

SteelPoint Capital was built on a simple premise: real estate investors need fast, reliable financing. Traditional lenders take weeks or months and come with red tape. Hard money lenders understand the asset and the operator.

Here's what that means in practice: 10-12% fixed returns paid monthly (or compounded), 24-48 hour underwriting, first lien position on every deal, and a lender who's actually a real estate investor themselves. After six years and zero defaults, SteelPoint's model works because TJ and his partners won't lend on a deal they wouldn't take over if the borrower defaulted.

But…