PRivate Credit fund

Earn 10%. Paid monthly.
Backed by real estate.

First-lien bridge loans. Zero defaults across 70+ loans. Your capital is protected before ours.

The Fund

Private credit built by operators, not Wall Street

Requity Income Fund originates first-lien bridge loans secured by real estate you can drive to. Manufactured housing communities, single-family renovations, multifamily, RV parks. Every loan backed by a recorded deed of trust, a personal guarantee, and a borrower who put 20-35% of their own capital in first.

We underwrite differently because we operate the same asset classes we lend on. 4,000+ units across nine properties. When we evaluate a borrower's business plan, we're checking it against what we know from running those properties ourselves. If something goes wrong, we don't hire a liquidator. We take the keys and run it.

The result: 70+ loans originated. Zero defaults. Zero missed payments. Zero principal losses.

10%

Target annual return, paid monthly from day one. No waiting period. No capital calls.

$1M

GP first-loss. Our capital is wiped out before any investor loses a dollar. We don't earn until you get your 10%.

HOw IT WORKS

Intentionally Simple Process

01

You invest

$100K minimum. Wire once. No capital calls. Admitted as LP on the first of the following month.

100K

minimum
02

We lend

Your capital funds first-lien bridge loans at 12% interest. Every loan personally guaranteed, actively managed, and scored across 25+ risk factors.

12%

LOAN RATE
02

You earn

Monthly distributions from interest income. Reinvest via DRIP or take cash. Quarterly liquidity after 12 months. Full portal transparency.

10%

TARGET RETURN
Track record

The numbers speak for themselves

Since inception, Requity Lending has maintained a perfect record across every asset class we serve. We underwrite as if every loan will be tested, so none of them have been.

Single family
MULTI FAMILY
MH COMMUNITY
RV/CAmpground

70

LOANS ORIGINATED

$20M+

PAID OFF / RETURNED

$35M+

TOTAL ORIGINATIONS

0

DEFAULTS. EVER.

  • We continue to be impressed by UrbanGate's speed and transparency. They don't waste any time and their process is streamlined. I routinely brag to other investors about our access to capital through UrbanGate.

    —Patrick Hanlon

  • Our favorite lender to work with in Tennessee. The owners are great people and consistently do everything they can to work with their borrowers to make each loan happen. Thanks as always UrbanGate team.

    —Parker McCracken

  • This company does a phenomenal job. They are always professional, responsive, and knowledgeable. I highly recommend UrbanGate to anyone who is looking for a trustworthy company.

    —James McDonald

  • UrbanGate helped us with a 100% real estate purchase loan, had fair rates and points on the loan. We were happy to do business with them and will be using them again in the future.

    —Samuel Lyman

  • Fantastic lender/partner! Great communication, fair, good + transparent pricing, fast, they have it all! Definitely give UrbanGate a shot, you’ll be happy you did .

    —Former Customer

  • Absolutely fantastic Lender that I try to use on all of my flips. We have done many deals together, and they have always been absolutely excellent and amazing. The communication is off the charts, and I highly recommend any investor needing Hard Money in TN to use them!!

    —Caleb Luketic

  • Definitely your go-to lenders in Tennessee! Great terms, quick closes, very simple process. If you’re not working with Urban Gate, you’re not working with the best!

    —Jeff Henry

  • Great local lender, would highly recommend!

    —Wyatt Chittenden

  • Highly recommend working with UrbanGate. Very transparent and professional! I’ve been very impressed with their attention to detail and level of personalized care!

    —Trey Chandler

  • Urban Gate continues to be our top lender! Service is always next level!

    —Darren Light

  • Love these guys, really truth worthy, easy to work with and high integrity.

    —Morgan Less

Frequently Asked Questions

Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and apply.

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  • We offer a range of solutions designed to meet your needs—whether you're just getting started or scaling something bigger. Everything is tailored to help you move forward with clarity and confidence.

  • Getting started is simple. Reach out through our contact form or schedule a call—we’ll walk you through the next steps and answer any questions along the way.

  • We combine a thoughtful, human-centered approach with clear communication and reliable results. It’s not just what we do—it’s how we do it that sets us apart.

  • You can reach us anytime via our contact page or email. We aim to respond quickly—usually within one business day.

  • We offer flexible pricing based on project type and complexity. After an initial conversation, we’ll provide a transparent quote with no hidden costs.

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Explore current offerings

Accredited investors can learn more about our available equity and credit investments.

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