Certainty is the product.
Monterey Capital Group is a principal-led lender and investor in business-purpose real estate. We underwrite in-house, decide directly, and fund what we commit to. Bridge, renovation, construction, and long-term rental funding, with selective preferred equity and Co-GP investments.
Borrow with certainty.
Invest with discipline.
Debt financing
Business-purpose loans on non-owner-occupied real estate, underwritten and decided in-house.
- Bridge and acquisition on tight timelines
- Fix and flip with 100% of rehab financed
- Ground-up construction with milestone draws
- DSCR rental loans for long-term holds
Equity capital
Partnership capital for experienced sponsors with real basis and a clear plan.
- Preferred equity with structured priority
- Recapitalizations of quality assets
- Co-GP co-investment with proven sponsors
- Principal decisions, not committees
Investor access
Deal-by-deal participation in secured loans and preferred equity, with sponsor capital alongside yours.
- Collateral-secured lending strategies
- Preferred equity with defined priority
- Deal-level transparency and reporting
- Principals invest in every position
The rate sheet, in plain sight.
| Program | Rate | Max leverage | Typical term |
|---|
Program guidelines as of Q3 2026, subject to change without notice. Starting rates shown; final pricing and leverage are set in underwriting based on borrower profile, experience, liquidity, market, and property characteristics. Business-purpose, non-QM, non-owner-occupied loans only.
Four principles. No exceptions.
Direct decisions
You deal with the principals who fund the loan, not a committee. Terms come from the people accountable for them.
Underwrite everything
Public records, comparables, permits, and flood data on every file. Verified figures, labeled assumptions.
Transparent economics
Pricing, fees, and extension terms are stated in the term sheet and honored at the closing table.
Protect relationships
Brokers stay in their deals and get paid at the table. Borrowers and investors are treated as partners.
Real assets, real basis.
01Single-family investmentAcquisition & refinance02Two to four unitsDuplex to quadplex03MultifamilyValue-add & stabilized04Townhomes & condosNon-owner-occupied05Ground-up constructionPermitted, experienced GC06Mixed-useResidential over retail07OfficeValue-add & stabilized08RetailStrip & single-tenant09Industrial & warehouseFlex, storage, distribution10Self-storageStabilized & lease-up11Entitled landClear path to vertical12First lien, typicallySelective mezzanine with equity cushionMost borrowers do not need a bigger lender. They need a decisive one.
Monterey Capital GroupHave a deal? Talk to a principal.
Send the property, the numbers, and your timeline. If it fits, you will have indicative terms in days, not weeks.
Business-purpose financing, priced and structured in-house.
Every program below is funded on our platform and underwritten by our principals. Parameters are representative; final terms are set deal by deal on collateral, basis, sponsor experience, and exit.
| Program | Rate | Max leverage | Typical term |
|---|
Program guidelines as of Q3 2026, subject to change without notice. Starting rates shown; final pricing and leverage are set in underwriting based on borrower profile, experience, liquidity, market, and property characteristics. Business-purpose, non-QM, non-owner-occupied loans only. Positions are first lien in typical structures; mezzanine is considered selectively where senior leverage is low and the equity cushion is meaningful. Monterey Capital Group does not and will not make consumer or owner-occupied residential loans.
Priced on the term sheet. Honored at close.
Pricing
All economics are stated in the term sheet up front and honored at closing. No repricing at the table.
Extensions
Extension options are defined and priced before you sign, not negotiated under pressure at maturity.
Draws
Renovation and construction draws administered against inspected progress, with defined turnaround times.
No hidden charges
Third-party costs such as title, appraisal, and legal pass through at cost. Everything else is on the sheet.
Your deal. Your fee. Protected.
Brokers are a core channel for our platform. Register the deal, stay in the loop through closing, and get paid at the table. We do not circumvent our referral sources.
Capital that thinks like an owner.
Beyond lending, Monterey Capital Group invests equity alongside experienced sponsors and operators through preferred equity and Co-GP structures, focused on multifamily, mixed-use, commercial, and select residential development. Same discipline and speed as our lending platform: real basis, clear plans, principal decisions.
Preferred equity
Structured positions with defined return priority, current pay or accrual, and negotiated downside protections.
Recapitalizations
Capital to unlock equity in stabilized or nearly stabilized assets while the sponsor keeps operating control.
Co-GP co-investment
Select co-GP positions with proven sponsors, with economics built for alignment through the full life of the deal.
What we look for
Experienced sponsorship, defensible basis, a credible business plan, and an exit we can underwrite today.
Clean capital stacks. One seat per deal.
We take one position in a transaction and structure it properly: clear priority, clear rights, clear intercreditor terms. No tangled stacks, no conflicts between our own positions.
Or write directly: [email protected]
Equity investments are made selectively and structured transaction by transaction. Nothing on this page is an offer or commitment to invest; any participation is subject to full underwriting and definitive documentation.
Private real estate funding, structured with alignment.
Monterey Capital Group offers qualified investors access to collateral-secured lending and selective preferred equity opportunities. Our principals commit their own capital alongside our partners on the platform.
Senior-secured lending
Participation in loans typically secured by first-position mortgages, with selective mezzanine behind low-leverage senior debt with meaningful equity cushion.
Preferred equity
Selective positions with defined return priority, minimum return protection, and negotiated downside structure.
Deal-by-deal vehicles
Opportunities structured through dedicated special-purpose vehicles so each exposure is chosen on its own merits.
Full transparency
Underwriting summaries, collateral documentation, and periodic reporting on every position you hold.
Or write directly: [email protected]. Available to accredited investors; all terms are provided solely through offering documents.
The window for direct private funding.
Bank retrenchment
Regional and community banks have pulled back from real estate lending, pushing quality borrowers toward private capital for transitional and bridge needs.
Rate normalization
With base rates structurally higher, senior secured private debt earns attractive yields without reaching for leverage or duration.
Florida in-migration
Persistent population and capital inflows sustain residential and small-commercial demand, generating steady transaction flow.
Direct origination
Relationship deal flow and in-house underwriting keep us selective on price, structure, and sponsor, without syndication friction.
The record behind the platform.
Foreclosure or short sale
Share of all loans originated since inception resolving through foreclosure or short sale.
Average portfolio LTV
Collateral coverage maintained across the loan book, underwritten conservatively at origination.
Principal approvals
Every transaction requires explicit written approval from all three principals before any capital is committed.
Independently appraised
Third-party appraisal and independent valuation on every asset the platform lends against.
Aggregate platform figures, unaudited, as of June 30, 2026.
Requirements, without exception.
01Recorded security positionFirst lien in typical structures02Full-recourse personal guarantyFrom the borrower principal03Notarized promissory noteExecuted loan documentation04Independent appraisalThird-party valuation, every asset05Lender's title insuranceLender named as insured06Property & flood insuranceCoverage bound before funding07Taxes currentAll real estate taxes paid08Prior liens satisfiedClean collateral at closeYield backed by real collateral.
Hard asset security
Positions are secured by recorded liens on real property, underwritten to conservative loan-to-value with defined exits.
Short duration
Core loan terms of 6 to 24 months keep capital recycling and reduce exposure to long-cycle rate risk.
Sponsor alignment
We eat our own cooking. Principal capital participates in the platform's positions alongside investor capital.
Any securities are offered only to qualified investors through private placement documents, which alone govern the terms of any investment. Nothing on this site is an offer to sell or a solicitation to buy any security. Investments involve risk, including loss of principal, and past performance does not indicate future results.
From submission to funding in four moves.
Our process is built to answer the only question that matters early: will this loan close, and on what terms. We tell you fast, then we execute.
Submit
Send the property address, purchase price or basis, requested loan amount, scope if applicable, and your timeline. A deal summary is enough to start.
Term sheet
We underwrite the collateral and the exit using public records, comparables, and our own market knowledge, then issue indicative terms within days.
Diligence & docs
Once terms are signed, we order title and third-party reports, complete documentation review, and coordinate closing with all parties.
Close & fund
Funds wire at closing. Renovation and construction draws are administered against inspected progress through payoff.
A clean file closes fast.
Basis
Purchase price and total cost relative to market value. We lend on real basis, not on aspiration.
Exit
A credible path to payoff: sale, refinance, or stabilized cash flow that services long-term debt.
Sponsor
Track record, liquidity, and skin in the game. Experience is priced in; so is its absence.
Collateral
Marketable, insurable real estate in markets we know, first lien in typical structures. Income-producing or with a clear path to it.
Principals first. Everything else follows.
Monterey Capital Group is a private real estate funding and investment firm founded by principals who underwrite, fund, and manage every position on the platform. We built the firm around a simple observation: most borrowers do not need a bigger lender, they need a decisive one.
Our core market is Florida, where we combine local market knowledge with site-level diligence on every file. We lend selectively in other markets where the collateral and the sponsor justify it.
On the investment side, we structure deal-by-deal opportunities in secured lending and preferred equity for qualified investors, always with our own capital participating in the outcome.
Say what we do
Terms issued are terms honored. We would rather pass early than retrade late.
Underwrite everything
Public records, comparables, permits, and flood maps before we opine. Verified figures, labeled assumptions.
Protect relationships
Brokers, borrowers, and investors come back when they are treated as partners. That is the whole model.
Send the deal. We will take it from there.
Borrowers, brokers, and investors all start here. Include the property and the numbers and we respond within two business days.
Terms of Use
Effective July 7, 2026
These Terms of Use (the "Terms") govern your access to and use of the website located at montereycapitalgroup.com (the "Site"), operated by Monterey Capital Group LLC, a Florida limited liability company, together with its subsidiaries, affiliates, and related special-purpose entities (collectively, "MCG", "we", "us", or "our"). By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Site.
1. Informational purposes only; no offer or commitment to lend
The Site and its contents are provided for general informational purposes only. Nothing on the Site constitutes an offer to lend, a commitment to lend, a rate lock, an approval, or an agreement of any kind. All loan programs, parameters, rates, leverage levels, and other terms described on the Site are indicative guidelines only, are subject to change without notice, and are contingent in every case upon MCG's underwriting review and approval, satisfaction of all lender requirements, and execution of definitive documentation. MCG may modify, suspend, or discontinue any program and may decline any inquiry, application, or transaction at any time in its sole and absolute discretion. Submission of any inquiry or form through the Site does not create an application, a commitment, or any obligation on the part of MCG.
2. Business-purpose, non-QM lending only
All loans originated, arranged, acquired, or invested in by MCG are business-purpose, non-qualified mortgage ("non-QM") loans collateralized by real estate. MCG does not and will not make, arrange, purchase, or service any loan secured by owner-occupied residential property, and does not make loans for personal, family, or household purposes; nothing on the Site is directed to consumers seeking such financing. Products described on the Site are not consumer mortgage loans and are not subject to the Qualified Mortgage rules under the Truth in Lending Act or to consumer mortgage regulations applicable to owner-occupied lending.
3. No offer of securities; accredited investors only
Nothing on the Site constitutes an offer to sell, or a solicitation of an offer to buy, any security or investment interest in any jurisdiction. Any securities or investment interests offered by MCG or any fund, vehicle, or special-purpose entity sponsored or managed by MCG are offered only through confidential offering documents, including a private placement memorandum, governing agreement, and subscription documents (the "Offering Documents"), only to persons who qualify as accredited investors and, where applicable, qualified purchasers, and only in reliance on exemptions from registration under the Securities Act of 1933, including Rule 506 of Regulation D. The Offering Documents supersede the Site in their entirety. Interests have not been and will not be registered under federal or state securities laws and are subject to substantial restrictions on transfer. No regulatory authority has passed upon the merits of any offering or the accuracy of the Site.
4. Equity investments and co-investment activity
Descriptions of preferred equity, co-GP, joint venture, recapitalization, or other equity investment activity on the Site are illustrative of MCG's mandate only. Any equity investment by MCG is selective, evaluated deal by deal, and subject to full underwriting, principal approval, and execution of definitive documentation. Nothing on the Site is a commitment by MCG to invest in, sponsor, or participate in any transaction.
5. No advice; no fiduciary or advisory relationship
Nothing on the Site constitutes investment, legal, tax, accounting, or other professional advice, and nothing on the Site is a recommendation to engage in any transaction. Your use of the Site does not create any fiduciary, advisory, attorney-client, broker-client, or similar relationship with MCG. You should consult your own legal, tax, accounting, and financial advisors before making any decision.
6. Forward-looking statements; platform figures; no reliance
The Site may contain forward-looking statements, targets, estimates, and descriptions of strategy that involve risks and uncertainties. Actual results may differ materially. Platform figures presented on the Site, including capital deployed, portfolio metrics, and performance statistics, are aggregate, unaudited, presented as of the date indicated, and subject to revision. Past performance is not indicative of future results. MCG makes no representation or warranty as to the accuracy or completeness of any information on the Site, assumes no duty to update it, and you agree not to rely on the Site as the basis for any decision.
7. Eligibility; jurisdictional limitations
The Site is intended for use by persons located in jurisdictions where such use is lawful. The Site and the products described on it are not directed to, and are not available to, any person in any jurisdiction where their availability would be contrary to applicable law or would subject MCG to any registration or licensing requirement not already satisfied. MCG operates in select U.S. states. You represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.
8. Submissions and communications
By submitting any form or communication through the Site, you represent that the information provided is true, accurate, and complete, and you consent to MCG contacting you by email or telephone regarding your inquiry. Submissions are not confidential, do not create any relationship, and are not loan applications. Do not submit Social Security numbers, account numbers, passwords, or other sensitive credentials through the Site. MCG may retain and use submissions as described in the Privacy Policy.
9. Intellectual property
The Site and all content, design elements, text, graphics, logos, and marks displayed on it are the property of MCG or its licensors and are protected by intellectual property laws. You are granted a limited, revocable, non-exclusive license to access the Site for your personal, informational use. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, frame, scrape, or otherwise exploit any portion of the Site without MCG's prior written consent.
10. Acceptable use
You agree not to use the Site for any unlawful purpose; to misrepresent your identity or affiliation; to interfere with the operation or security of the Site; to use automated means to access, harvest, or index the Site; or to upload malicious code. MCG may restrict or terminate access at any time without notice.
11. Third-party services and links
The Site may incorporate services operated by third parties, including form processing and hosted fonts, and may link to third-party websites. Such services and websites are governed by their own terms and privacy policies. MCG does not control and is not responsible for third-party services, and their inclusion does not imply endorsement.
12. Disclaimer of warranties
The Site and all content are provided "as is" and "as available," without warranties of any kind, express, implied, or statutory, including without limitation warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or availability. MCG does not warrant that the Site will be uninterrupted, timely, secure, or error-free.
13. Limitation of liability
To the maximum extent permitted by law, in no event will MCG or its members, managers, officers, employees, agents, subsidiaries, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or opportunity, arising out of or relating to the Site or these Terms, even if advised of the possibility of such damages. To the maximum extent permitted by law, MCG's total aggregate liability arising out of or relating to the Site or these Terms will not exceed one hundred U.S. dollars ($100).
14. Indemnification
You agree to indemnify, defend, and hold harmless MCG and its members, managers, officers, employees, agents, subsidiaries, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Site, your submissions, or your violation of these Terms or applicable law.
15. Dispute resolution; arbitration; class action waiver
Any dispute, claim, or controversy arising out of or relating to the Site or these Terms that cannot be resolved informally shall be finally resolved by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, seated in Miami-Dade County, Florida, before a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction. You and MCG each waive any right to a trial by jury and agree that any proceeding will be conducted only on an individual basis and not as a class, collective, consolidated, or representative action. Claims eligible for small claims court may be brought there. This section does not apply to any dispute governed by separate definitive documentation between you and MCG, which will control as to that dispute.
16. Governing law and venue
These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. Subject to Section 15, the state and federal courts located in Miami-Dade County, Florida will have exclusive jurisdiction over any permitted court proceeding.
17. Changes; severability; entire agreement
MCG may revise these Terms at any time by posting an updated version on the Site, with the effective date noted above. Your continued use of the Site constitutes acceptance of the revised Terms. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force. These Terms, together with the Privacy Policy, constitute the entire agreement between you and MCG regarding use of the Site. Questions may be directed to [email protected].
Privacy Policy
Effective July 7, 2026
This Privacy Policy describes how Monterey Capital Group LLC, together with its subsidiaries, affiliates, and related special-purpose entities (collectively, "MCG", "we", "us", or "our"), collects, uses, and shares information in connection with the website located at montereycapitalgroup.com (the "Site") and our lending, equity investment, and investor relations activities.
1. Information we collect
Information you provide: when you submit an inquiry or form, contact us, or engage with us, we may collect your name, company, email address, telephone number, role, and the transaction details you provide, which may include property information, financial figures, credit score ranges, experience, citizenship status, and any other information you choose to submit. If you proceed to a transaction or investment, we collect additional information required for underwriting, subscription, and legal compliance, including know-your-customer, anti-money-laundering, and sanctions screening information. Information collected automatically: our hosting and embedded service providers may collect standard technical data such as IP address, browser and device characteristics, pages viewed, and referring pages, including through cookies or similar technologies used by those providers.
2. How we use information
We use information to evaluate and respond to inquiries; to underwrite, structure, document, close, service, and manage loans and investments; to communicate with borrowers, brokers, sponsors, and investors; to administer investor relationships, reporting, and distributions; to comply with legal, regulatory, tax, and contractual obligations, including KYC, AML, and sanctions requirements; to protect MCG's rights, security, and property; to improve the Site; and, with respect to persons who have inquired or done business with us, to send relevant communications from which you may opt out at any time.
3. How we share information
We do not sell personal information. We may share information with: our subsidiaries and affiliates for the purposes described in this Policy; service providers that support our operations, such as form processing, email, document management, hosting, and customer relationship tools; professional advisors, including attorneys, accountants, auditors, title and escrow agents, appraisers, and insurers; transaction counterparties and capital providers where reasonably required to evaluate, document, finance, sell, or service a transaction, including warehouse lenders, loan purchasers, co-investors, and fund administrators; government authorities and other parties where required by law, subpoena, or legal process, or to protect rights and safety; and successors in connection with a merger, financing, reorganization, or sale of assets, subject to customary protections.
4. Third-party services
The Site uses third-party services that process data under their own privacy policies, which may include form infrastructure (such as Tally), hosted fonts (such as Google Fonts, which receives standard font requests including IP addresses), and our hosting and DNS providers. We encourage you to review the policies of any third-party service.
5. Data retention and security
We retain information for as long as reasonably necessary for the purposes described in this Policy, including to satisfy legal, regulatory, accounting, and audit requirements applicable to lending and securities activities, which may extend for several years after a relationship ends. We use commercially reasonable administrative, technical, and physical safeguards designed to protect information; however, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. Do not submit Social Security numbers, account credentials, or similar sensitive identifiers through the Site.
6. Your choices and rights
You may opt out of non-transactional communications at any time by following the instructions in the message or by contacting [email protected]. Depending on your state of residence, you may have rights under applicable U.S. state privacy laws, which may include the right to know, access, correct, or delete personal information, the right to opt out of certain sharing, and the right not to be discriminated against for exercising those rights. To submit a request, contact [email protected]; we may need to verify your identity before responding, and we will respond as required by applicable law. Note that information necessary for legal compliance, loan servicing, or investor administration may be exempt from deletion.
7. Children
The Site is intended for business users and is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.
8. Do Not Track; changes to this Policy
The Site does not currently respond to browser Do Not Track signals. We may update this Policy from time to time by posting a revised version with an updated effective date; material changes will be reflected on this page. Your continued use of the Site after changes become effective constitutes acceptance of the revised Policy.
9. Contact
Questions or requests regarding this Policy may be directed to Monterey Capital Group LLC, Miami, Florida, or by email to [email protected].