INVESTORS
Investing with Sage Credit
Access a predictable, non-correlated income* stream through private real estate lending.
OUR APPROACH
Senior secured real estate lending
Sage Credit originates and manages short-term, senior secured real estate loans to experienced builders and real estate investors. These loans are secured by residential real estate and generate income through contractual interest payments.
Our approach is grounded in disciplined underwriting, conservative loan-to-value ratios and active asset monitoring. By focusing on senior secured positions with shorter duration, we seek to provide an alternative to traditional fixed income investments with less exposure to public market volatility and long-term interest rate risk.
MARKET OPPORTUNITY
Why private real estate lending exists
As traditional banks retreat from real estate lending, many experienced builders, developers and real estate investors require reliable, flexible capital to execute their projects.
These borrowers seek short-term senior secured financing from lenders that can move with speed and certainty, qualities that bank underwriting frameworks are structurally unable to provide. Pricing in this market reflects that execution value: professional borrowers typically pay 9–11% interest* on non-bank loans, supported by project economics that justify the cost of short-duration capital.
RISK MANAGEMENT
Our approach to risk management
Capital preservation is our first priority. Every loan is evaluated against a rigorous set of criteria designed to protect investor capital across market cycles.
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First-lien, asset-backed loans
Senior secured positions on every loan.
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Conservative LTV and LTC ratios
Meaningful equity buffer in every project we finance.
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Short-term durations with defined exits
Typically 6-18 months with clear repayment paths.
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Experienced borrowers with skin-in-the-game
Professionals who have meaningful equity in the project.
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Active monitoring throughout the loan
Active asset monitoring from origination through payoff.
OUR FUND
Sage Credit Income Fund
Sage Credit Income Fund is an open-ended senior secured real estate credit fund focused on residential lending in North Carolina and California.
Structure — Open-ended limited partnership
Minimum investment — $200,000
Eligibility — Accredited investors only
Distributions — Quarterly (cash or reinvestment)
Liquidity — 12-month commitment; up to 25% per quarter thereafter
Target return — 9–10% net
Management fee — 1% annually
Origination fee sharing — Investors receive 25% of origination fees on qualifying loan participations‡
Fund documents, the Private Placement Memorandum and Subscription Agreement are available upon request.
TRACK RECORD
Investment leadership
Jan Brzeski previously founded and built Arixa Capital into one of the leading non-bank real estate lenders in the country before founding Sage Credit in 2024. His track record spans more than 15 years and multiple market cycles.
15 yrs†
Years in real estate direct lending
$3.5B+†
In real estate loans originated
1,800+†
Individual loans closed
Positive investor returns in each of the past 15 years†
Through multiple market cycles, including periods of significant credit stress and public market volatility
WORKING WITH US
Our investor relationships
We partner with accredited investors seeking consistent income* and a disciplined approach to capital preservation. Our investor base includes high net worth individuals and institutional capital.
We take a relationship-driven approach to every partnership. Every prospective investor speaks directly with our team, and we take time to understand individual goals and portfolio context before moving forward.
Investors have ongoing access to fund documents, quarterly performance reports and loan investment memos.
To learn more about our recent market observations, read our annual newsletter.
GET STARTED
Contact Investor Relations
Every inquiry is reviewed personally by our team. We respond to all qualified prospective investors and are happy to share fund documents, answer questions or schedule a call.
Important disclosures
* Income from investments in Sage Credit Income Fund LP is not guaranteed. Returns will vary based on fund performance and are subject to risk, including the potential loss of principal. The reference to borrower interest rates of 9–11% reflects rates paid by borrowers on fund loans and does not represent net investor returns. Past performance is not indicative of future results.
† Track record figures — including years of experience, total loan volume, number of loans closed, and annual return history — reflect the investment and lending experience of Jan Brzeski, portfolio manager of Sage Credit Income Fund LP, during his tenure at a prior firm. These figures do not represent the historical performance of Sage Credit Income Fund LP or Sage Credit Investment Partners LLC.
‡ Target returns of 9–10% net are targets only and are not guaranteed. Net returns reflect the deduction of the 1% annual management fee but do not account for taxes, which vary by investor. The 25% origination fee sharing applies only to loan participations sold within 90 days of origination and is subject to the terms set forth in the Fund’s governing documents.
Sage Credit Income Fund LP (“SCIF”) is offered exclusively to accredited investors as defined under Rule 501 of Regulation D. Interests in SCIF are offered pursuant to an exemption from registration under Rule 506(c) of Regulation D of the Securities Act of 1933, as amended. This offering has not been registered with the U.S. Securities and Exchange Commission or any state securities authority. Investing in SCIF involves significant risk, including the potential loss of principal. Investments are illiquid and subject to restrictions on transfer and withdrawal.
This page is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Any such offer or solicitation will be made only by means of the Fund’s Private Placement Memorandum and related offering documents, which should be read carefully before investing. Nothing on this page constitutes financial, legal, or tax advice. Prospective investors should consult their own advisors before making any investment decision.