OPM Capital strategies
62 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.
- OPM Capital
SBA 7(a) Acquisition Loan
Buy a $1M–$5M business with 10% down, 10-yr amortization.
90% financed / 10% down - OPM Capital
SBA 504 (Owner-Occupied CRE)
10% down, 20–25 yr fixed for owner-occupied real estate.
10% down vs 25–30% conventional - OPM Capital
Seller Financing / Seller Carry
Owner becomes the bank — negotiate rate, term, and structure.
Blended rate 2–4% below market - OPM Capital
HELOC Arbitrage
Tap home equity to fund higher-yield investments.
300–800 bps spread on deployed capital - OPM Capital
Portfolio / Securities-Backed Line
Borrow against your stock portfolio without selling.
Avoid 15–37% cap-gains tax on liquidity - OPM Capital
Private / Hard Money
Speed capital for flips, bridges, and value-add plays.
Deal velocity — 10× more deals/yr - OPM Capital
DSCR Rental Loans
Rental loans qualified on property cash flow, not personal DTI.
Scale beyond Fannie 10-loan cap - OPM Capital
Syndications & JV Capital
Raise from LPs to acquire larger assets you couldn't alone.
Deploy 5–20× your own capital - OPM Capital
Velocity Banking with HELOC
Use HELOC as checking account to compress mortgage payoff.
Pay off 30-yr mortgage in 7–12 years, save $100–300k interest - OPM Capital
P2P / Crowdfunded Debt Capital
Raise $10–100k at 8–12% to deploy into 20%+ CoC deals.
8–15% arbitrage spread on borrowed capital - OPM Capital
Portfolio Line of Credit (PLOC)
Borrow against securities at ~5% (vs SBLOC at 8–10%).
3–5% interest arbitrage vs SBLOC/HELOC alternatives - OPM Capital
Life Insurance Premium Financing
Bank finances your PPLI/whole life premiums; you fund the spread.
Fund $10–50M death benefit with 10–20% of premium capital - OPM Capital
Wraparound Mortgage
Seller finances above their existing loan — you profit the spread.
Skip bank origination; seller earns 3–5% spread - OPM Capital
Seller-Carry 2nd Position
Bank provides 75%; seller carries the 20% down.
Reduce cash-in by 75–95% - OPM Capital
SBLOC + Buy-Borrow-Die
Never sell. Borrow against stock. Die. Heirs get step-up.
Skip 20–37% cap gains permanently at death - OPM Capital
Performing & Non-Performing Note Investing
Buy mortgages at 60–80% of face; collect interest or foreclose.
8–20% yields; equivalent to hard-money returns without operations - OPM Capital
Hard Money Lending (Be the Bank)
Lend at 10–14% + 2–3 points to fix-and-flippers.
12–18% net yields on secured 1st liens - OPM Capital
Cross-Collateralization Financing
Pledge multiple assets; borrow more than any one supports.
Unlock 20–40% additional leverage vs isolated loans - OPM Capital
Portfolio Loans (Non-QM)
Bank keeps the loan; qualifies you outside Fannie/Freddie rules.
Access financing when conventional says no - OPM Capital
Revenue-Based Financing (Pipe / Capchase / Clearco)
Trade future MRR for upfront capital — no equity, no covenants.
Non-dilutive capital at ~10–15% APR-equivalent - OPM Capital
Reg A+ / Reg CF Crowdfunded Equity
Raise up to $75M from retail investors online.
Access $1M–$75M capital + built-in customer base - OPM Capital
Venture Debt + Warrant Coverage
Extend runway 6–12 months post-equity-raise with minimal dilution.
Save 15–25% dilution vs additional equity round - OPM Capital
Factoring / MCA Defensive Arbitrage
When you must use MCA — refinance out fast with SBA / RBF.
Cut 30–80% APR debt burden via refinance - OPM Capital
Mezzanine + Preferred Equity Blended Stack
Fill the gap between senior debt and equity — retain more of the deal.
Retain 40–60% more common equity per deal - OPM Capital
C-PACE Financing
Long-am, non-recourse, off-balance-sheet financing for energy/resilience upgrades.
Replace 15–25% of capital stack with cheap long-term debt - OPM Capital
SBLOC vs Margin Rate Arbitrage
Compare pledged-asset lines against margin — arbitrage 200–400 bps.
Save 2–4% APR on 6–7 figure borrowings - OPM Capital
401(k) Participant Loan (Self-Financed)
Borrow up to $50K from your own 401(k) at prime+1 — interest paid back to yourself.
$50K unsecured at ~9% APR paid back to yourself - OPM Capital
Pledged Asset Mortgage (No-Down Home Loan)
Pledge a brokerage account instead of putting cash down — keep the market gains.
Avoid 15–23.8% cap-gains + keep market returns on collateral - OPM Capital
Crypto-Collateralized Loan
Borrow against BTC/ETH holdings — no tax event, no sale.
Avoid 20–37% cap-gains tax on liquidation - OPM Capital
Fine Art, Wine & Watch Collateral Loans
Unlock capital from illiquid luxury assets at 40–50% LTV.
Unlock 40–50% of illiquid asset value without a taxable sale - OPM Capital
Home Equity Investment (Point, Hometap, Unison)
Sell a slice of future appreciation for cash today — no monthly payments.
Access $50K–$500K without monthly debt service - OPM Capital
Transactional Funding (Same-Day Double Close)
1-day loans that let you flip a wholesale contract with zero cash.
Assign a $50K spread with $0 cash + no credit check - OPM Capital
Contract for Deed / Land Contract Purchase
Buy property with seller as bank — deed transfers at payoff, not at closing.
Skip $8K–$15K in bank origination + close in 2 weeks - OPM Capital
Novation Agreement (Retail-Priced Wholesaling)
Rewrite the seller's contract to your buyer — capture the retail-vs-off-market spread.
$20K–$80K per deal vs traditional assignment - OPM Capital
CDFI & SSBCI Small-Business Loans
Below-market loans from mission lenders when banks say no.
$50K–$5M at 3–5% below bank rate - OPM Capital
Kiva US Zero-Interest Microloans
$1K–$15K crowdfunded at 0% APR — no credit score required.
$15K at 0% APR = $2K–$5K interest saved vs alternatives - OPM Capital
SAFE + Revenue-Share Blended Raise (Friends & Family)
Blend post-money SAFEs with a rev-share tranche — raise faster, dilute less.
Cut equity dilution 40–60% vs all-SAFE round - OPM Capital
Rolling Fund (AngelList) as GP
Raise capital quarterly as a fund manager — no closed-end fundraise cycle.
Deploy $500K–$10M+/yr of LP capital; earn 2/20 economics - OPM Capital
Deal-by-Deal Fund-of-One (Single Asset Vehicle)
Raise fresh LP capital for each deal — no blind-pool fundraise required.
Deploy $1M–$25M per deal without personal capital at risk beyond GP co-invest - OPM Capital
HUD 223(f) Multifamily Refinance/Acquisition
35-year fixed non-recourse loans on 5+ unit multifamily at Treasury+ spreads.
100–200 bps below Fannie/Freddie = $100K+/yr on $10M loan - OPM Capital
Fannie Mae Small Loan (5–50 Units)
Streamlined agency debt on smaller multifamily — non-recourse, 30-yr amort.
50–100 bps below bank + non-recourse = $50K+/yr on $5M loan - OPM Capital
New Markets Tax Credits (NMTC)
39% tax-credit-driven equity for projects in low-income census tracts.
20–25% subsidized equity + stackable with HTC/LIHTC/OZ - OPM Capital
Federal Historic Tax Credits (§47)
20% federal credit for rehabilitating certified historic buildings.
15–18% equity from federal + 20–25% additional from state HTC - OPM Capital
Tax Increment Financing (TIF) District
Municipality funds your infrastructure from the future property-tax lift.
$500K–$20M in public-financed site work per project - OPM Capital
Industrial Revenue Bonds (IRB) / PABs
Municipality issues tax-exempt bonds on your behalf — 200–300 bps cheaper.
200–300 bps below taxable = $200K–$600K/yr on $10M debt - OPM Capital
Warehouse Line for Note & Mortgage Buying
Leverage $1 of equity into $4–$5 of performing-note purchases.
3–5x leverage on 10% asset yield = 15–25% equity ROE - OPM Capital
Litigation Finance / Pre-Settlement Advance
Non-recourse capital against a plaintiff's future settlement — no repayment if you lose.
Unlock $250K–$50M of case value pre-verdict, non-recourse - OPM Capital
Structured Settlement Purchase (Secondary Market)
Buy discounted future payment streams from settlement recipients at 12–18% yield.
12–18% yields on annuity-backed cashflows - OPM Capital
USDA Business & Industry (B&I) Loan Guarantee
Up to $25M USDA-guaranteed loans for rural businesses — 80% guarantee.
Up to $25M at 5.5–8% with 25-yr amort for real estate - OPM Capital
EXIM Bank Export Credit & Working Capital
US Ex-Im Bank guarantees 90% of export-related working capital.
25%+ additional borrowing base + insured foreign receivables - OPM Capital
Founder Secondary Sale (Pre-Exit Liquidity)
Sell 5–20% of your founder shares to existing investors mid-round — take chips off the table.
$500K–$10M personal liquidity + QSBS exclusion - OPM Capital
Reg CF Community Round (Wefunder/Republic)
Raise up to $5M/yr from your customers as public investors — SEC-registered crowdfunding.
$5M/yr from non-institutional capital + marketing halo - OPM Capital
Deregulated Energy Choice Arbitrage (TX/PA/OH/IL)
Switch retail electric providers every 12 mo — lock rates 30–50% below default utility.
$400–$3,000/yr per household, $5K–$50K/yr per business site - OPM Capital
Solar PPA / Lease (No Money Down, 10–30% Bill Cut)
Third party owns the panels — you pay a lower per-kWh rate with $0 out of pocket.
10–30% off electric bill for 20+ yrs, $0 upfront - OPM Capital
ICHRA / QSEHRA Health Reimbursement Arrangement
Reimburse employees' individual health premiums pre-tax — skip group insurance entirely.
10–40% vs traditional group + predictable budget - OPM Capital
PEO for Fortune-500 Benefits at SMB Prices
Join a PEO (Justworks/TriNet/Insperity) — get Fortune-500 health & 401(k) rates.
15–35% benefits savings + 20+ hrs/mo HR admin - OPM Capital
FedEx/UPS Contract Negotiation & Auditing
Third-party auditors cut shipping bills 15–35% — pay only from savings.
$15K–$500K/yr on $100K–$3M shipping spend - OPM Capital
Premium Financing for Jumbo Life Insurance
Borrow $5M+ from a bank to fund high-cash-value IUL/whole life — leverage arbitrage without out-of-pocket premium.
$5M–$20M leverage on ~$0 out-of-pocket over 10 years - OPM Capital
Art & Collectibles-Backed Lending (Sotheby's Financial / Athena)
Borrow 40–60% of appraised value on fine art, wine, watches, cars — non-recourse, no credit check.
Liquidity unlocked without triggering 28% collectibles cap gains - OPM Capital
Reg D 506(c) Syndication (Act as the GP)
Raise capital from accredited investors publicly — sponsor RE/business deals with LP money, keep 20–30% carry.
5–15× capital leverage + 20–30% carry economics - OPM Capital
EB-5 Investor Capital ($800K/$1.05M Per Foreign LP)
Raise cheap equity from foreign investors seeking U.S. green cards — $800K/investor at 0.5–2% return.
1–3% cost of capital vs 8–12% market equity - OPM Capital
Reg CF / Reg A+ Crowdfunded Capital ($5M / $75M Caps)
Raise up to $5M (Reg CF) or $75M (Reg A+) from non-accredited public — build a customer-investor army.
$5M–$75M non-dilutive-optics equity + customer marketing engine