PACT Capital
PACT Capital is a privately held California-based investment manager that originates and services commercial real estate, agricultural, housing, SBA, and construction loans nationwide through a proprietary direct origination platform, serving developers, investors, agribusiness owners, and qualified private-credit investors.
- Company typePrivate
- Founded2022
- HeadquartersEl Segundo, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What PACT Capital does
PACT Capital, Inc. is a privately held California-based investment management firm that originates and services commercial real estate, agricultural, housing, SBA, and construction loans through a proprietary direct origination and credit fulfillment platform. Its product suite spans multifamily, retail, office, industrial, net-lease, mixed-use, shopping center, self-storage, hospitality, and special purpose CRE financing with loan sizes from $500,000 to $250 million+ and LTVs up to 85%; agricultural loans of $100,000 to $100 million+ across California, Arizona, Oregon, and Washington; build-to-rent and build-to-sell housing capital with AD&C structures reaching $362 million for masterplan communities; SBA 7(a) and 504 programs up to $15 million; and construction lending up to $100 million. The firm additionally manages a private credit mortgage investments vehicle for qualified investors, offering short-term senior secured bridge loans collateralized by California CRE and agricultural land.
The business operates a relationship-led go-to-market through dedicated relationship managers out of a Los Angeles headquarters and a Fresno regional office focused on the Central Valley, underwriting all major property types in-house and emphasizing team-based coverage across the loan lifecycle. Revenue is generated through transaction-fee origination, servicing income on originated and investor-held loans, and managed services economics from the private credit vehicle. Co-founders and Managing Directors Adam Mortanian (formerly a Wells Fargo Middle Market VP with $500MM+ closed) and Tyler Shegerian (fourth-generation Central Valley agribusiness entrepreneur, UCLA Law JD) anchor the firm's domain credibility in California agriculture and middle-market CRE.
To date the firm reports 114 loans closed, a track record of completed transactions including a $38.5M vineyard refinance, $21.5M Sacramento multifamily refinance, $10.7M Florida shopping center acquisition, and a $362M masterplan land loan, with operations nationwide beyond the California core. The firm is privately held, founder-controlled, with no disclosed institutional investors, parent company, M&A activity, or external funding rounds.
PACT Capital firmographics
Firmographics- Name
- PACT Capital
- Legal name
- PACT Capital, Inc.
- Website
- https://pactcap.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PACT Capital is a privately held California-based investment manager that originates and services commercial real estate, agricultural, housing, SBA, and construction loans nationwide through a proprietary direct origination platform, serving developers, investors, agribusiness owners, and qualified private-credit investors.
- Ownership category
- akta.pro rank
PACT Capital industry classification
Industry- Product category
- Commercial Real Estate Lending
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Commercial Mortgage Brokerage (FSAEAEAB)
- akta.pro secondary industries
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)
Keywords
Where PACT Capital is headquartered
LocationHeadquarters
- HQ city
- El Segundo
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
PACT Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Commercial Real Estate Lending: Origination of commercial real estate loans for multifamily, retail, office, industrial, net-lease, mixed-use, shopping centers, self-storage, hospitality, and special purpose properties. Revenue generated through origination fees, interest income, and loan servicing.
- Agricultural Finance: Direct agricultural financing for farms, orchards, and agribusiness in California and Western states. Farm and ranch loans, lines of credit, and permanent financing for agricultural properties.
- SBA Lending: SBA 7(a) and 504 loan origination for small business owners acquiring, expanding, or refinancing real estate. Government-backed lending programs.
- Investment Management: Management of private credit mortgage investments for qualified investors, underwriting and funding of secured bridge loans collateralized by commercial real estate and agricultural land.
- Construction Lending: Construction and development lending for experienced developers and investors with track records of completing and operating property types.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Commercial Real Estate Loans |
| Other | Multi-year contract | Multifamily Loans |
| Other | Multi-year contract | Agriculture Loans |
| Other | Multi-year contract | Housing Capital (BTR/BTS) |
| Other | Multi-year contract | SBA Loans |
| Other | Pay-as-you-go | Construction Loans |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
PACT Capital product offering
Product offeringCore offering
PACT Capital is a relationship-based commercial real estate and agricultural finance company that originates and underwrites loans across multifamily, retail, office, industrial, net-lease, mixed-use, shopping centers, self-storage, hospitality, and special purpose properties, as well as farms, orchards, vineyards, and agribusiness in California and Western states. In parallel, it manages private credit mortgage investments offering senior secured bridge loans collateralized by commercial real estate and agricultural land to qualified investors. The firm operates through a proprietary direct origination and credit fulfillment platform supported by a team-based relationship management model.
Product overview
PACT Capital is an investment management firm offering a comprehensive suite of commercial real estate and agricultural lending products through a direct origination and credit fulfillment platform. The core offerings include Commercial Real Estate Finance (covering multifamily, retail, office, industrial, net-lease, mixed-use, shopping centers, self-storage, hospitality, and special purpose properties), Agriculture and Farm/Ranch Loans, Housing Capital (build-to-rent and build-to-sell financing), SBA Lending (7(a) and 504 programs), Construction Lending, and Private Credit Mortgage Investments for qualified investors. The company operates as a relationship-based lending business focused on objective advice and strategic capital access.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Real Estate Finance Tailored and structured financing for commercial real estate properties including multifamily, retail, office, industrial, net-lease, mixed-use, shopping centers, self-storage, hospitality, and special purpose properties; loan amounts $500,000 to $250,000,000+, LTV up to 85%, terms floating to 30 years fixed, bridge to permanent programs, designed for investors, syndicators, and business owners nationwide.
- Agriculture and Farm/Ranch Loans Direct agricultural financing providing farm and ranch loans for farmers and agribusiness in California, Arizona, Oregon, and Washington, including orchard acquisitions, vineyards, real estate secured lines of credit, and permanent financing of agricultural properties; loan amounts $100,000 to $100,000,000+, LTV up to 75%, amortization up to 30 years, floating to fixed rate options.
- Housing Capital AD&C financing for residential build-to-rent (BTR) and build-to-sell (BTS) projects including single-family, multifamily, and masterplan communities; California AD&C up to 85% LTV, multifamily BTR/BTS up to 90% LTC / 75% LTV, 12 to 48 month terms, interest-only available.
- SBA Lending SBA 7(a) and SBA 504 loan programs providing up to 90% LTV financing for small business owners acquiring, expanding, or refinancing real estate; SBA 7(a) up to $5,000,000 with terms up to 25 years and SBA 504 up to $15MM with terms up to 25 years, fixed or variable rates.
- Construction Lending Construction and development financing for experienced developers and investors, covering ground-up construction, renovation, and SBA construction; loan amounts $100,000 to $100,000,000+, up to 70% LTV/LTC, terms up to 36 months, rates starting at SOFR + 300.
- Private Credit Mortgage Investments Investment management service underwriting and funding short-term senior secured bridge loans collateralized by commercial real estate and agricultural land in California, offering qualified investors risk-adjusted returns, transparency, low LTV structures, and principal protection through the loan lifecycle with ongoing servicing.
Quantifiable outcome
- 114 loans closed to date with $0 Billion+ in closed loans
- +1 more outcomes
Companies that use PACT Capital
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles5 records
PACT Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
PACT Capital partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
PACT Capital competitors and assessment
Company assessmentEmerging players
- RCS Capital / Arbor Realty: Diversified CRE lender and mortgage banking platform with multifamily and SFR focus, including bridge, construction, and permanent financing. Comparable as a non-bank CRE lender operating in similar product segments, particularly multifamily and BTR financing.
Direct peers
- AgAmerica Lending: Specialty agricultural real estate lender providing farm, ranch, and timberland financing across the United States, including land loans, lines of credit, and refinancing. Directly comparable as a niche agricultural mortgage banker serving farmers and ranchers in California and other Western states, mirroring PACT's ag vertical.
- NorthMarq Capital: Privately held commercial real estate mortgage banking firm focused on debt and equity placement across multifamily, retail, office, industrial, self-storage, and hospitality. Directly comparable as a relationship-based CRE capital advisor similar in size and product mix to PACT.
- Walker & Dunlop: Leading multifamily and commercial mortgage banking platform that originates, underwrites, and sells commercial real estate loans for institutional clients. Directly comparable as a CRE-focused mortgage banker with similar product offerings across multifamily, affordable housing, and institutional capital.
- A10 Capital: Commercial real estate private lender providing bridge, construction, and permanent financing for multifamily, office, retail, hospitality, and self-storage properties. Comparable as a non-bank direct CRE lender focused on middle-market transactions with bridge-to-permanent programs.
- Berkadia: Joint venture between Berkshire Hathaway and Jefferies providing commercial mortgage banking, investment sales, and loan servicing across multifamily, seniors housing, and CRE. Directly comparable as a CRE mortgage banking peer offering origination and capital advisory services to similar investor clients.
Regional players
- Capital Farm Credit: Texas-based Farm Credit System cooperative lending institution serving rural Texas borrowers with farm, ranch, and agribusiness real estate financing. Comparable as an agricultural mortgage lender focused on farm and ranch lending, though operating in a different regional footprint (Texas vs. California/Western states).
Broad incumbents
- JLL Capital Markets: Global commercial real estate capital markets advisor with mortgage banking, debt placement, and investment sales across multifamily, office, retail, industrial, and hospitality — the same property types PACT underwrites. Comparable as a much larger CRE capital advisory platform with broader product breadth.
- CBRE Capital Markets: Largest global commercial real estate services platform with debt origination, structured finance, and investment sales across all major property types. Comparable as an incumbent CRE capital advisor competing for the same middle-market and large-cap deals PACT sources.
- Newmark Group: Diversified commercial real estate services firm with capital markets, loan origination, and investment sales for institutional and middle-market clients. Directly comparable as a CRE mortgage banking competitor serving similar investor/developer client segments.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PACT Capital social profiles
Digital presencePACT Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
PACT Capital leadership team
Management profileNumber of profiles
Profiles2 records
PACT Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PACT Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PACT Capital
What does PACT Capital do?
PACT Capital is a relationship-based commercial real estate and agricultural finance company that originates and underwrites loans across multifamily, retail, office, industrial, net-lease, mixed-use, shopping centers, self-storage, hospitality, and special purpose properties, as well as farms, orchards, vineyards, and agribusiness in California and Western states. In parallel, it manages private credit mortgage investments offering senior secured bridge loans collateralized by commercial real estate and agricultural land to qualified investors. The firm operates through a proprietary direct origination and credit fulfillment platform supported by a team-based relationship management model.
Is PACT Capital a public or private company?
PACT Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PACT Capital founded?
PACT Capital was founded in 2022. It employs 11 to 50 people.
Where is PACT Capital based?
PACT Capital is headquartered in El Segundo, United States, in the North America region.
How does PACT Capital make money?
Five revenue lines are on record. Commercial Real Estate Lending is the primary driver. The others are agricultural Finance, SBA Lending, investment Management and construction Lending.
Who are PACT Capital's main competitors?
RCS Capital / Arbor Realty is listed as an emerging player. Direct peers are AgAmerica Lending, NorthMarq Capital, Walker & Dunlop, A10 Capital and Berkadia. Capital Farm Credit is listed as a regional player. Broad incumbents are JLL Capital Markets, CBRE Capital Markets and Newmark Group.
Does PACT Capital have an API?
No public API is recorded for PACT Capital.
What industry is PACT Capital in?
PACT Capital's product category is Commercial Real Estate Lending. Its primary akta.pro industry code is FSAEAEAB, Commercial Mortgage Brokerage, with a secondary code of FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522292 and its SIC code is 6162.