Private Credit Fund
New-Construction Lending
Florida keeps growing.
The housing can't keep up.
In-migration and a pro-business climate drive relentless demand for new homes — while new supply lags. The Gibraltar Growth Fund lends into that gap, backed by real estate.
The Model
Debt-secured instruments collateralized by new-construction projects — we lend to proven developers, with every dollar backed by real estate.
LPs commit capital to the fund.
Underwrites & deploys capital as secured loans.
≤70% LTV, backed by notes & mortgage deeds.
Residential builds across high-growth Florida.
Gibraltar Growth FundThe Investor Advantage
LPs can compound returns as the fund recycles capital across a growing pipeline — turning a preferred return into durable, accelerating growth.
The General Partner holds the largest position in the fund. Every decision is made as an owner — not a manager.
How the Fund Is Structured
Gibraltar Growth FundCategories, Timeframes & Return Targets
Target residential opportunities at approximately $300,000 per unit.
Entitled land at 70% LTV, secured by note & title; paper deals capped at $1M.
Vertical development with equity participation and a buyout in ≤5 years.
Gibraltar Growth FundWhat We Look For
Land for residential & mixed-use development, 0.25–50 acres. Zoned, or with a clear path to rezoning.
Core Central Florida growth corridors — Space Coast, Orlando Metro and surrounding submarkets with 3%+ annual population growth.
Target IRR of 14%–22%, supported by strong absorption rates and stable demand indicators.
Clear title & environmental, current surveys, minimal site work, public-utility access and entitlement documentation.
Gibraltar Growth FundBuilt to Protect Capital
A well-structured, repeatable strategy: secured positions, a diversified portfolio and a market with durable demand.
Advances of no more than 70% of appraised value — a 30% equity cushion on every position, backed by notes & mortgage deeds.
Exposure spread across asset types and across short-, mid- and long-term horizons.
A pro-business climate and strong in-migration keep housing demand high — making location itself a risk mitigator.
Smaller or larger parcels in strong locations · moderate entitlement work where municipal pathways are favorable · secondary FL markets with infrastructure readiness · short-term vertical deals with construction-funding discipline.
Proven Results
Gibraltar Growth FundA Team That Has Done This Before
With decades of combined experience in Central Florida real-estate development, the Gibraltar team has executed projects from land acquisition and entitlement through vertical construction. Deep local relationships and a proven ability to navigate municipal process give us a unique edge in sourcing, executing and maximizing returns.
- 25+ years in construction & development
- Built 2,000+ housing units
- Scaled Gibraltar from $300K to a $45M portfolio since 2017
Gibraltar Growth FundHorizon & Sunset
Gibraltar Growth FundRead this overview with the offering documents.
This presentation is for discussion and informational purposes only. It is not an offer to sell or a solicitation of an offer to purchase any security. Any offering will be made solely through definitive offering documents to eligible investors.
This is an investment; all capital is at risk. Not FDIC insured. An investment may be speculative, illiquid and unsuitable for some investors. There is no bank, governmental or other guarantee against loss, including loss of the entire investment.
Past performance is not indicative of future results. Target returns, valuations, timelines, distributions, projections and illustrative examples are forward-looking, subject to assumptions and change, and are not guaranteed.
Risks include, among others, real-estate and market cycles, construction and entitlement delays, leverage, liquidity and concentration, borrower and sponsor performance, environmental conditions, interest rates, cost inflation and execution risk.
This overview is incomplete and may contain terms that are summarized or subject to revision. If this presentation conflicts with the definitive offering documents, those documents control. No representation is made that every material fact or risk appears here.
Prospective investors should perform their own due diligence and consult independent legal, tax, accounting and investment advisers before making any decision. Nothing here is legal, tax, accounting or investment advice.
Gibraltar Growth FundLet's build on rock-solid ground.
We'd welcome the opportunity to walk you through the offering documents and answer your questions.