Fund small businesses at 1.15–1.35× via receivables purchase — 30–90 day payback, 25–50% IRR (ethical caps).
MCA / Revenue-Based Financing (RBF): advance $10K–$500K to a small business in exchange for a percentage of daily/weekly credit-card receipts or ACH debits until 1.15–1.35× the advance is collected. 3–12 month typical payback. Ethical MCA caps factor at 1.35× and offers early-payment discount (unlike predatory 1.5–2× lenders being sued). Legal structure is receivables PURCHASE, not loan (avoids usury caps in most states). 25–50% IRR on well-underwritten book. Requires state licensing in FL, NY, CA, VA, UT after 2023 disclosure laws.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Lend directly to real estate investors on 1st-lien trust deeds — 8–14% yield secured by real property at 60–70% LTV.
Buy B2B invoices at 90–95% face — collect full value 30–90 days later. Effective yield 25–60% annualized.
Provide the down-payment + rehab gap to fix-and-flip investors — 12–18% + 2–4 points on 4–6 month bridge.
Invest as LP in interval funds and BDCs — 9–12% yield on institutional private-credit portfolios.
Buy whole-loan portfolios directly from P2P platforms — 6–12% net yield with algorithmic underwriting.
Buy in-force life insurance policies from seniors — pay premiums, collect death benefit. 8–12% IRR uncorrelated.