Lone Oak Fund
- Company typePrivate
- Founded2003
- HeadquartersLos Angeles, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Lone Oak Fund firmographics
Firmographics- Name
- Lone Oak Fund
- Legal name
- Lone Oak Industries Inc.
- Website
- https://loneoakfund.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Lone Oak Fund industry classification
Industry- Product category
- Private Real Estate Bridge Lending
- NAICS
- Other Investment Pools and Funds (5259)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Direct Lending — Senior Secured (First Lien) (FSAHAJAA)
- akta.pro secondary industry
- Senior Secured Direct Lending (FSANADAA)
Keywords
Where Lone Oak Fund is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lone Oak Fund business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income on Bridge Loans: Lone Oak Fund generates revenue primarily through interest charged on short-term bridge loans. Rates range from 7.90% to 9.90% interest only. As a direct lender backed by a $1.3B fund, the company earns interest income on its loan portfolio.
- Origination Fees: The company charges origination points ranging from 0.25 to 2.00 points depending on loan size and term length. This is a one-time upfront fee collected at loan closing.
- Evaluation/Processing Fees: Processing fees from $1,000 per property depending on location, collected to cover due diligence and evaluation costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Interest rates from 7.90% to 9.90% interest only |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Lone Oak Fund product offering
Product offeringCore offering
Lone Oak Fund is a California-based direct private money lender that originates short-term first trust deed bridge loans on investment real estate. The fund lends $1,000,000 to $25,000,000 for terms of 1-24 months at 7.90% to 9.90% interest only, financing multifamily, industrial, office, retail, mixed-use, and non-owner occupied residential properties throughout California with no appraisals, no prepayment penalties, no yield maintenance, and no personal guaranties required.
Product overview
Lone Oak Fund is a California-based private money lender offering a single core product: short-term first trust deed bridge loans for investment real estate. The company provides financing for multifamily, industrial, office, retail, mixed-use, and non-owner occupied residential properties throughout California. The Lone Oak program features straightforward terms including no prepayment penalty, no hidden costs, below-market interest rates, and no requirement for personal guaranties or appraisals.
Differentiator
Problem solved
Functional benefit
Products and services
- First Trust Deeds (Bridge Loans) Short-term first trust deed bridge loans on California investment real estate, including multifamily, industrial, office, retail, mixed-use, and non-owner occupied residential properties. Loan amounts range from $1,000,000 to $25,000,000 with terms of 1-24 months, interest rates from 7.90% to 9.90% interest only, and LTV up to 65% for multifamily and 60% for other property types. No appraisals, no prepayment penalties, no yield maintenance, and no personal guaranties are required. Built-in extension terms are available, and cross-collateralization plus 2nd trust deed lender relationships support higher leverage needs.
Quantifiable outcome
- Over $1 Billion in Capital deployed since founding in 2003
- +2 more outcomes
Companies that use Lone Oak Fund
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Lone Oak Fund technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Lone Oak Fund partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights4 records
Lone Oak Fund competitors and assessment
Company assessmentDirect peers
- Kiavi: One of the largest private real estate lenders in the U.S., providing bridge and rehab loans to residential investors. Directly comparable to Lone Oak in serving time-sensitive real estate investors with speed-focused bridge financing, though Kiavi operates nationally versus Lone Oak's California focus.
- Anchor Loans: California-based private money lender specializing in bridge and rehab financing for residential real estate investors. Closely comparable in geographic focus (California), product type (bridge loans), and target customer (real estate investors needing fast capital).
- CoreVest Finance: Private lender financing residential real estate investors through bridge and rental loans. Directly comparable in product offering (bridge loans to investors), though CoreVest operates nationally and was acquired by Finance of America Reverse.
- Lima One Capital: Private lender specializing in bridge, rehab, and rental loans for residential real estate investors. Comparable product mix and customer base, with similar focus on speed and reliability for time-sensitive acquisitions.
- Newfi: Non-QM and bridge lender focused on real estate investors, with strong California presence. Comparable in serving the same investor customer base with similar non-bank lending products, including bridge financing for property acquisition.
- PeerStreet: Real estate debt platform that originated and acquired bridge loans for investors, with prior focus on California. Comparable in business model of providing short-term bridge financing to real estate investors, though PeerStreet has shifted business strategy.
- Constructive Loans: California-based private money lender providing bridge and rehab loans to real estate investors. Directly comparable geographic focus and product offering, though smaller scale than Lone Oak Fund.
- Patch Lending: Real estate bridge lender (formerly Patch of Land) serving investors with short-term financing. Comparable in product type and target customer, though with different geographic footprint and tech-enabled origination model.
Broad incumbents
- Angel Oak Mortgage Solutions: Non-QM and investor loan lender operating nationally as part of the broader Angel Oak financial group. Comparable in serving real estate investors with non-bank lending products, though with a wider product portfolio and geographic reach than Lone Oak's California-only bridge focus.
- HPS Investment Partners: Large alternative investment firm with significant private credit/real estate debt strategies. Relevant as a comparator for capital-backed direct lending in real estate, though at significantly larger scale and broader scope than Lone Oak's single-state bridge focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Lone Oak Fund compliance and trust
Trust signalCompliance1 record
Lone Oak Fund financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lone Oak Fund leadership team
Management profileNumber of profiles
Profiles10 records
Lone Oak Fund funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lone Oak Fund 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 Lone Oak Fund
What does Lone Oak Fund do?
Lone Oak Fund is a California-based direct private money lender that originates short-term first trust deed bridge loans on investment real estate. The fund lends $1,000,000 to $25,000,000 for terms of 1-24 months at 7.90% to 9.90% interest only, financing multifamily, industrial, office, retail, mixed-use, and non-owner occupied residential properties throughout California with no appraisals, no prepayment penalties, no yield maintenance, and no personal guaranties required.
Is Lone Oak Fund a public or private company?
Lone Oak Fund is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lone Oak Fund founded?
Lone Oak Fund was founded in 2003. It employs 11 to 50 people.
Where is Lone Oak Fund based?
Lone Oak Fund is headquartered in Los Angeles, United States, in the North America region.
How does Lone Oak Fund make money?
Three revenue lines are on record. Interest Income on Bridge Loans are the primary driver. The others are origination Fees and evaluation/Processing Fees.
Who are Lone Oak Fund's main competitors?
Direct peers on record are Kiavi, Anchor Loans, CoreVest Finance, Lima One Capital, Newfi, PeerStreet, Constructive Loans and Patch Lending. Broad incumbents are Angel Oak Mortgage Solutions and HPS Investment Partners.
Does Lone Oak Fund have an API?
No public API is recorded for Lone Oak Fund.
What industry is Lone Oak Fund in?
Lone Oak Fund's product category is Private Real Estate Bridge Lending. Its primary akta.pro industry code is FSAHAJAA, Direct Lending — Senior Secured (First Lien), with a secondary code of FSANADAA, Senior Secured Direct Lending. Its NAICS code is 5259 and its SIC code is 6153.