Next Level Financing originates first- and second-lien construction and development loans across Utah's fastest-growing counties — every loan backed by a recorded trust deed, title insurance, and a disciplined 70% LTV target.
Next Level Financing deploys investor capital as secured construction and development loans, taking first and second lien positions on every property. Every note is recorded through a title company, backed by a title insurance policy, and underwritten by our principals directly — no middlemen.
All loans secured by recorded trust deeds in a superior position over other creditors.
Loans made exclusively to projects managed by our principals; all due diligence in-house.
Title insurance, closing costs, and fees are carried by the borrower — not the fund.
Streamlined structure enables rapid loan deployment aligned with developer timelines.
Population growth, a constrained housing supply, and tightening bank underwriting have created a durable opening for private construction lenders who can move with discipline and speed.
Utah continues to attract in-migration and benefits from a diversified employment base, driving sustained residential demand.
A relative shortage of housing inventory across Salt Lake, Weber, and Davis Counties supports strong pricing and absorption for new development.
Tightened bank underwriting standards and elevated rates are pushing developers toward alternative capital sources — an opportunity for private lenders.
Disciplined underwriting and first- and second-lien positioning allow NLF to capture attractive risk-adjusted returns in attainable housing and infill development.
A fixed preferred return, a short holding period, and no upfront commissions. Series B Shares are offered under Reg D Rule 506(b) / Regulation S to accredited investors and qualifying non-U.S. persons.
| Security Type | Series B LLC Interest (Non-Voting) |
|---|---|
| Unit Price | $50,000 per Unit |
| Minimum Investment | 1 Unit ($50,000) |
| Minimum Offering | $50,000 |
| Maximum Offering | $10,000,000 (up to $15M at Manager discretion) |
| Preferred Return | 15% annualized |
| 6-Month Term | 7.5% preferred return on capital |
| 12-Month Term | 15% preferred return (if extended) |
| Redemption | 100% capital + all accrued returns at maturity |
| Eligibility | Accredited Investors or Non-U.S. Persons |
| Registration | Reg. D Rule 506(b) / Regulation S |
| Subscription Deadline | July 31, 2026 |
Every loan is secured by a first or second lien trust deed, recorded through a title company with title insurance — giving NLF superior collection rights over all other creditors in the event of default.
NLF holds the primary lien on every loan — senior to all other creditors and equity holders. In foreclosure, NLF has first right to recover proceeds from the sale of the property.
Every loan is closed through a title company, with a title insurance policy protecting NLF's lien position against title defects or competing claims.
NLF targets a 70% loan-to-value ratio based on post-development value, providing a meaningful equity cushion before any loss of principal occurs.
From subscription to redemption, NLF operates a tight five-step cycle with in-house underwriting and title-company-recorded security. Underwriting typically completes within twenty days.
Accredited investor executes Subscription Agreement and wires funds to NLF's account.
Managers assess collateral value, borrower capacity, and quick-sale value within ~20 days.
Note and lien trust deed recorded through a title company with full title insurance.
Managers monitor the project, track draws, collect interest, and manage the borrower relationship.
At maturity the borrower repays principal + interest; NLF redeems Series B Shares at 100% capital + accrued return.
The following illustrates the underwriting discipline and return profile of a representative NLF construction loan. Borrower, property, and figures shown are for illustration only.
| Borrower | Wasatch Peak Properties, LLC |
|---|---|
| Property | 1840 W Pioneer Road, Lehi, Utah 84043 |
| Loan Purpose | 18-Unit Townhome Construction |
| Loan Term | 6 months (extendable to 12) |
| Start Date | March 1, 2026 |
| Initial Maturity | August 31, 2026 |
| Extended Maturity | February 28, 2027 |
| Interest Rate | 15% annualized (simple) |
| Points | Zero |
A management team spanning fiduciary services, land development and general contracting, and corporate securities law — with deep Utah and West Coast market relationships.
A side-by-side view of Series B Shares against common fixed-income and real estate alternatives. Returns shown for comparison products are approximate market averages and not indicative of any specific product.
| Feature | NLF Series B | Bank CD / MMA | Public REIT | Equity Real Estate |
|---|---|---|---|---|
| Target Annual Return | 15% | 4–5% | 5–8% | Varies |
| Return Type | Fixed / Preferred | Fixed | Variable Dividend | Appreciation |
| Capital Security | First & Second Lien Deed | FDIC Insured | Market Price | Market Value |
| Liquidity | 6–12 Mo. Hold | Flexible | Daily | Months–Years |
| Minimum Investment | $50,000 | $500–$1,000 | 1 Share | Varies (High) |
| Management Fees | None to Investor | None | Mgmt Fees | Promote Struct. |
| Accredited Only | Yes | No | No | Often Yes |
Responses below are summaries. The PPM contains the complete terms, risk factors, and subscription documents that govern your investment.
Only accredited investors (net worth over $1M excluding primary residence, or income over $200K individual / $300K joint) or non-U.S. persons under Regulation S are eligible.
One Unit at $50,000. The Company may, in its sole discretion, accept subscriptions for fractional Units.
Series B Shares have an initial 6-month holding period. The Company may extend for an additional 6 months. Redemption includes 100% of capital plus all accrued preferred returns.
Investors do not have the right to demand early redemption. The Company may, in its sole discretion, choose to redeem shares early, in which case all accrued returns to the redemption date are paid.
Participating Distributions are funded from interest income, loan origination fees, and other revenues generated from NLF's lending activities. Returns are paid at redemption, not monthly.
No. The 15% preferred return is a target return, not a guarantee. Returns depend on the performance of the underlying loans. Investors may lose some or all of their investment.
NLF holds a first or second lien position and may foreclose on the collateral property. NLF targets a 70% LTV ratio to provide a cushion, but recovery is not guaranteed if property values decline.
Request the Private Placement Memorandum, execute the Subscription Agreement and applicable Investor Questionnaire (Exhibits A, B, or C), then wire funds per the instructions provided in your subscription packet.
Accredited investors may request the complete Private Placement Memorandum and subscription documents directly from the Company.
Verify you qualify as an Accredited Investor or non-U.S. Person under SEC Regulation D / S.
Read the Private Placement Memorandum in full, including all Risk Factors disclosed therein.
Execute the Subscription Agreement and Investor Questionnaire (Exhibit A / B / C) and return to the Company.
Remit funds via wire per the instructions contained in your subscription packet.