ARC

What ARC does

ARC PE is a privately held private equity real estate firm founded in 2004 and headquartered in Miami Beach, Florida. The firm was shaped by the 2008 financial crisis and has built its identity around pragmatic asset recovery and flexible underwriting rather than rigid institutional criteria. ARC operates two integrated service lines: (1) Acquisitions, where it purchases loan portfolios across the full performance spectrum — including Impaired Performing and Non-Performing Loan (NPL) notes, distressed REO assets, hard money loans, unsecured debt, and merchant cash advance receivables — and delivers resolutions often within 30 days; and (2) Lending, where it originates Stretch Senior Commercial Real Estate bridge loans ranging from $2M to $125M at up to 75% LTV with 1–3 year terms for transitional and unstabilized properties. The company has transacted over $2 billion in real estate loans cumulatively, with leadership alumni of Morgan Stanley, Lehman Brothers, and Ernst & Young.

The firm's business model is driven by transactional economics on the Acquisitions side (buying distressed credit at a discount and resolving for a return) and origination fees plus interest income on the Lending side. There is no proprietary technology platform disclosed; the moat is human expertise, relationships, and execution speed. ARC targets two primary B2B segments: distressed credit sellers and servicers needing fast disposition (with a stated 30-day resolution commitment), and commercial real estate borrowers seeking flexible capital for non-stabilized assets. Geographic reach is concentrated in the U.S. Southeast with an established LATAM operations function led by a Director with 16 years of tenure, and the portfolio page documents both domestic and international first and second lien mortgage pool transactions. ARC is led by Managing Partners John Olsen and David Gordon, with a senior team including an Executive Director, CFO, Vice President, Controller, Director LATAM, Asset Management lead, Investor Reporting lead, and Transaction Manager, supporting a small, relationship-driven institution.

Name

ARC

Legal name

ARC PE

Website

https://arcpe.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

ARC PE is a Miami Beach-based private equity real estate firm founded in 2004 that acquires distressed loan portfolios and originates commercial real estate bridge loans ($2M–$125M), serving banks, servicers, and commercial borrowers across the U.S. and LATAM.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Other Investment Pools and Funds (5259), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Real Estate Dealers (For Their Own Account) (6532), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Non-Performing Loan (NPL) / Loan Portfolio Acquisition Funds (FSANAKAG)

akta.pro secondary industries

CRE Bridge & Transitional Lending (FSALADAC), Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

Keywords

• Distressed loan acquisitions
• Commercial real estate lending
• Bridge loan financing
• Non-performing loan notes
• Private equity real estate

Headquarters

HQ city

Miami Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan and Note Acquisitions: ARC acquires bulk note portfolios of performing and non-performing residential or commercial loans, distressed real estate owned (REO) assets, hard money loans, unsecured debt, and merchant cash advance receivables. Revenue is generated through acquisition and resolution of distressed credit at a discount, then managing or selling those assets for a return.
2. Commercial Real Estate Lending: ARC provides stretch senior commercial real estate bridge loans ranging from $2M to $125M, with terms from 1 to 3 years and LTVs up to 75%. Revenue is generated through origination fees and interest income on the loan portfolio.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

ARC PE acquires bulk portfolios of performing, impaired performing, and non-performing loans (including NPL notes, REO assets, hard money loans, unsecured debt, and merchant cash advance receivables), delivering fast resolutions—often within 30 days. The firm also originates stretch senior commercial real estate bridge loans ranging from $2 million to $125 million, with up to 75% loan-to-value and 1–3 year terms, for transitional and unstabilized properties.

Product overview

ARC is a private equity company offering two integrated core services: Acquisitions and Lending. The Acquisitions service focuses on purchasing loan portfolios across the credit spectrum—including performing and non-performing residential/commercial loans, NPL notes, hard money loans, distressed REO assets, and merchant cash advance receivables—with rapid 30-day resolution capabilities. The Lending service provides stretch senior commercial real estate bridge loans ($2M-$125M, up to 75% LTV, 1-3 year terms) for transitional properties. Together, these services enable ARC to manage the full lifecycle of distressed debt from acquisition through resolution and provide liquidity solutions to borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Acquisitions Bulk purchase of performing, impaired performing, and non-performing loan portfolios, distressed REO assets, hard money loans, unsecured debt, and merchant cash advance receivables, with resolutions often completed within 30 days. Built for banks, servicers, and other holders of distressed credit seeking fast, bilateral disposition.
• Lending Stretch senior commercial real estate bridge loans ranging from $2 million to $125 million, with up to 75% loan-to-value and flexible 1–3 year terms. Available for commercial or residential transitional and unstabilized properties that traditional lenders will not finance.

Quantifiable outcome

• Fast resolutions within 30 days for distressed credit situations
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Ladder Capital Corp: Publicly traded REIT that originates and acquires commercial real estate loans, including bridge/transitional CRE debt, and invests in CRE securities — directly comparable to ARC's CRE bridge lending and acquisition strategy.
• Ares Commercial Real Estate: Specializes in originating and investing in CRE-related assets including transitional bridge loans and senior mortgage loans — directly comparable origination profile to ARC's lending business.
• Pretium Partners: Specializes in acquiring and managing residential NPL and re-performing loan portfolios, plus single-family rental investments — directly comparable to ARC's NPL acquisition and resolution activity.
• Verus Mortgage Capital: Invests in NPL and re-performing mortgage loan portfolios acquired from banks and servicers — closely aligned with ARC's bulk note acquisition franchise across the credit spectrum.
• Capital Funding Group: Provides CRE bridge, construction, and permanent financing for transitional properties — directly comparable origination product to ARC's stretch senior bridge loan program.
• AG Mortgage Investment Trust: Targets CRE-related investments including NPLs, re-performing loans, and bridge loans — comparable to ARC's hybrid acquisition and bridge lending model.

Broad incumbents

• Starwood Property Trust: Large diversified mortgage REIT that originates, acquires, and finances CRE loans and securities across the risk spectrum, including NPL-related investments — overlapping with ARC's distressed and bridge CRE activities at greater scale.
• Oaktree Capital Management (Real Estate Opportunities Funds): Major alternative investment manager with deep distressed real estate debt and NPL workout franchise — competes for similar distressed loan portfolios and CRE bridge opportunities.
• Angelo Gordon (TPG Angelo Gordon): Alternative asset manager with a significant distressed debt and CRE debt franchise, including NPL portfolios — comparable to ARC's distressed acquisition strategy at institutional scale.

Others

• LoanCare (FNF) Servicing Operations: Large mortgage servicer active in default management and distressed loan servicing — adjacent rather than directly competitive, but represents the type of institutional counterparty ARC sources portfolios from.

Market position

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/arc-asset-recovery-

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ARC