Where bank discipline meets investor access.

River Note Capital co-lends alongside banks and senior lenders to originate short-duration, collateral-backed credit investments, structured with institutional rigor and designed for predictable outcomes.

We structure with precision. We deliver with flow. Your capital committed with clarity, returned with confidence.

$ 0 B

In commercial loans closed by our founding team

6–36 Mo

Typical investment duration across credit structures

Bank-Partnered

Exclusive origination through institutional lending relationships

Capital allocation for investors who prioritize structure over speculation

Multi-Family Offices

Institutional MFOs allocating to income-oriented private credit seek the combination of defined downside protection, short duration, and asset-level transparency that bank-partnered structures provide. We offer all three.

Single-Family Offices

Family offices managing permanent capital with a preservation-first mandate find our structures align naturally, collateral-backed, conservatively underwritten, and positioned alongside senior institutional lenders on every transaction.

Private Credit Managers

Boutique and mid-sized credit funds seeking differentiated deal flow and SPV co-investment access benefit from our exclusive bank origination channel and our discipline in structuring clean intercreditor arrangements.

Banks & Senior Lenders

Our banking partners refer transactions directly to River Note Capital, enabling risk-sharing capital deployment that preserves their underwriting control and expands lending capacity.

Five structures. One discipline.

Every transaction River Note Capital underwrites shares a common foundation: defined collateral, a clearly identified position in the capital stack, and alignment with the bank or senior lender that originated the deal. The structure adapts. The discipline does not.

B-Note Participation

Second-position credit co-structured alongside a bank's senior note. Collateral-backed with clearly documented intercreditor priority. Our most common structure — and the one most directly aligned with our bank origination model.

Bridge Lending

Transitional financing for properties moving toward stabilization or refinance. Defined collateral coverage, clear exit strategy, and short hold periods by design.

Warehouse Lending

Short-term credit facilities secured against mortgage loan originations. Designed to support originator liquidity while maintaining asset-level collateral backing throughout.

Asset-Backed Lending

Structured debt secured against mortgage-related assets. Defined collateral, conservative loanto-value parameters, and short duration — consistent with our core underwriting standard across every product.

The structural advantages that define our approach.

B-Note Participation

Second-position credit co-structured alongside a bank's senior note. Collateral-backed with clearly documented intercreditor priority. Our most common structure, and the one most directly aligned with our bank origination model.

Bridge Lending

Transitional financing for properties moving toward stabilization or refinance. Defined collateral coverage, clear exit strategy, and short hold periods by design.

Warehouse Lending

Short-term credit facilities secured against mortgage loan originations. Designed to support originator liquidity while maintaining asset-level collateral backing throughout.

Asset-Backed Lending

Structured debt secured against mortgage-related assets. Defined collateral, conservative loanto-value parameters, and short duration, consistent with our core underwriting standard across every product.

Our process

How River Note Capital delivers on every transaction.

01

Bank referral and origination

Our origination comes through banking partnerships and a select network of trusted relationships, built over decades in the mortgage market. Every deal arrives with a first layer of institutional review already applied.

02

Independent credit underwriting

We conduct our own analysis on every transaction — property valuation, income verification, borrower assessment, and capital stack review, independent of the referring bank's conclusions.

03

SPV structuring and legal documentation

Each approved investment is structured as an SPV or participation interest with defined terms, intercreditor protections, and all investor rights documented before a single dollar is committed.

04

Active monitoring and transparent reporting

We monitor every asset throughout the investment lifecycle. Investors receive regular, asset-level reporting on performance and material developments through our Agora-powered investor portal.

Client Perspectives

Observations from investors and partners.

“River Note Capital brings a level of underwriting discipline we rarely see outside of institutional lending. Exactly the kind of partner we were looking for.”

CIO

Family Office

“The structure, transparency, and consistency across every transaction gives us the confidence to allocate with conviction.”

Portfolio Manager

Private Credit

A straightforward process, clearly defined downside protection, and a team that understands how we think about risk.”

Head of Alternatives

RIA

“We’ve worked alongside a number of structured credit managers. River Note Capital stands out for their clarity of process and alignment with senior lenders.”

CLO

Regional Bank