Investing with Action Funding
Earn 16–20% in Annual Income
Minimum of $50,000 per deal
IRA and 401k funds accepted
Available to both accredited and non accredited investors
Talk to the Investment Team
Please fill out the form below and a member of our investment team will reach out to you within 24 hours.
Pooled Investment Overview
Action Funding offers pooled private lending opportunities under SEC Regulation D, Rule 506(c). These offerings are available exclusively to accredited investors as defined by the U.S. Securities and Exchange Commission (SEC). Our pooled investments are designed to provide access to real estate–backed private lending projects, with a focus on strong collateral and risk-managed returns.
Loan terms from 12 to 36 months
12% fixed APY paid monthly
6 Months of prepaid interest built in
Investors can diversify capital across several loans
Direct Investment Overview
Action Funding provides individual investors with opportunities to participate directly in private real estate loans secured by trust deeds across California, Florida, and Texas. These investments allow investors to earn attractive, fixed returns backed by real property collateral. Direct trust deed investments are available to both accredited and non-accredited investors and are typically structured as private lending transactions—not as securities regulated by the SEC.
Loan terms from 12 to 36 months
12% fixed APY paid monthly
Conservative LTV loan amounts
Guaranteed Interest on half of the loan term
Invest fully in the loan and receive the entire interest payment
Key Investor Terms
Annual Return
12% Paid Monthly
Guaranteed Interest
6 Months or Half the Loan Term
Servicing Fees
1% of Note Rate
Minimum Investment
$50,000
Interest Payments
Made Monthly
Profit Split
100% to Investor
Tax Reporting
Schedule K-1
Structure
Open Ended
Regulations Exemption
Regulation D, 506 (C)
What We Invest In
Loan Types: Fix & Flip, Cash Out Refinances, Ground Up, and commercial bridge loans
Average Loan Term: 12–24 Months (Extensions Available)
Areas Covered: CA, FL, TX
Average Loan Size: $450,000
Borrower Profile: Borrowers with prior experience in real estate
Loan Security: First mortgages and seconds behind banks
Why Investors Like Working with Action Funding
Action Funding allows for both fund investing and handpicking loans available. This flexibility benefits investors with different ranges of capital to deploy.
Income Generation Through Real Estate
Mortgage investing has been one of the best-performing asset classes over the last few decades, however, most investors don’t have the time to find and diligence the vast opportunities available. Real estate investing typically requires a large amount of capital upfront, the right financial resources, and a high level of expertise. We think there is a better way.
Risk Management
We rigorously stress test every loan to ensure profitability, rely on independent third-party appraisals, and continuously adjust our underwriting standards to align with evolving market conditions.
Loans secured by title insurance
Borrower required to have equity in the loan
Constructions draw are dispersed after main contractors sign off
Borrowers with prior experience in real estate
Only first mortgages and seconds behind banks
Frequently Asked Questions
Action Funding targets annual investor returns between 12% and 16%. Our loans are generally underwritten in the lower teens, but with late fees and potential points, the annualized yield (APY) can reach the higher teens.
Action Funding does not charge any management fees on incoming funds. A standard servicing fee of 1% is typically applied. Rather than operating an income fund, Action Funding utilizes a Regulation D exemption to facilitate larger loan transactions.
Action Funding does not charge management fees on incoming funds. A standard 1% servicing fee is typically applied. We do not operate a pooled income fund; instead, we utilize a Regulation D exemption for larger loan amounts. Investor returns are determined on a deal-by-deal basis and depend on the individual underwriting of each loan.
Action Funding receives contributions from a variety of sources, including individuals, joint accounts, entities, trusts, and self-directed retirement accounts such as IRAs and 401(k)s.
Every AFI loan is reinforced by personal guarantees from the principals of the borrowing entity and the borrower’s own equity.
If a borrower defaults, Action Funding is prepared to take prompt legal and financial measures to safeguard investor capital. Since a lien is recorded on each property, it has the legal authority to commence foreclosure and recoup its investment by selling the underlying collateral.