The Bedrock Fund

What The Bedrock Fund does

The Bedrock Fund (legal entity: The Bedrock Mortgage Fund, LLC) is a privately-held boutique real estate private lending fund founded in 2019 and headquartered in Duluth, Georgia. It originates short-term, asset-backed residential loans — typically six months in tenor, ranging from 30 days to one year — exclusively to a curated subset of top-performing HomeVestors of America franchisees (less than 5% of the ~1,200-franchisee network). Loans are underwritten at up to 75% loan-to-value with first-mortgage priority on residential properties in liquid markets, with an average portfolio LTV of 68%, and historically earn 12-15% annually. Since inception, the fund has funded more than 700 loans representing over $153M in cumulative principal with zero defaults, zero late payments, and zero foreclosures.

The fund is structured to raise capital from accredited investors (minimum $100,000) and pays an 8% fixed annualized preferred return monthly, with reinvestment options that can compound to 8.3% in year one and up to 12% by year ten. Revenue to the fund comes from the spread between gross loan interest (12-15%) and investor return (8%), augmented by a 1% loan origination fee. Capital is sourced through direct discovery calls with principals (Mark McKeller, Tony Isbell), referrals, content marketing, and conference presence, with no broad digital advertising. AUM grew from $21.3M to $43.5M between 2023 and 2025, with a stated 2025 fundraising target of an additional $10M.

Operations rely on a small team (1-10 employees) using third-party systems (Onvio for investor statements; a secure borrower portal) rather than proprietary technology. Leadership includes founders Tony Isbell (former CEO of RealtyBid.com, sold to CoreLogic), Britt Jennings (CPA fund manager), Mark McKeller (director of originations, $50M+ in prior bridge-loan originations), Michael Blatney (HVA valuations lead), Michael McKeller (HVA franchisee support), Jenny Atchley (former RealtyBid.com operations lead), and Pam Bowers (closing manager); the team has collectively invested over $6M into the fund on the same terms as outside investors.

Name

The Bedrock Fund

Legal name

The Bedrock Mortgage Fund, LLC

Website

https://thebedrockfund.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

The Bedrock Fund is a 2019-founded, Duluth, GA-based private lending fund that originates short-term, asset-backed residential loans exclusively to top-performing HomeVestors of America franchisees, paying accredited investors a fixed 8% annualized return backed by collateralized, first-mortgage-position real estate.

Ownership category

akta.pro rank

Headquarters

HQ city

Duluth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loan Portfolio: The fund earns interest income from short-term asset-backed residential loans to HomeVestors franchisees. Loans typically earn 12-15% per year depending on loan length. The fund pays investors 8% annualized preferred return monthly, retaining the spread after covering operating expenses.
2. Loan Origination Fees: The fund charges a 1% origination fee on loans originated. This fee contributes to revenue alongside interest income and helps cover management expenses. Per the PPM, all income beyond the 1% origination fee that could go to Bedrock Loans must go to the Fund and be used to pay expenses and investor interest before the management company takes further income.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

The Bedrock Fund is a boutique private lending fund that originates short-term, asset-backed residential mortgage loans exclusively to top-performing HomeVestors of America franchisees. The fund earns 12-15% per year on loans, charges a 1% origination fee, and pays accredited investors a fixed 8% annualized preferred return distributed monthly, retaining the spread after covering operating expenses.

Product overview

The Bedrock Fund is a single, unified private lending fund offering short-term, asset-backed residential loans to a select group of seasoned HomeVestors of America franchisees. The fund provides investors with secure, predictable returns (8% fixed preferred return paid monthly) while delivering white-glove VIP lending services to borrowers. There are no separate modules or add-on products—the offering is the fund itself as a closed investment vehicle.

Differentiator

Problem solved

Functional benefit

Products and services

• The Bedrock Fund (Investment Fund) A closed private lending fund open to accredited investors with a minimum $100,000 investment, offering a fixed 8% annualized preferred return paid monthly. If earnings are reinvested, the effective yield rises to 8.3% in year one, averaging 9% per annum by year 3, nearly 10% by year 5, and up to 12% per annum by year 10. Investors receive monthly distributions, audited financials, loan summaries, and real-time portfolio updates.
• Short-Term Asset-Backed Residential Loans Short-term, asset-backed bridge loans provided exclusively to top-performing HomeVestors of America franchisees (less than 5% of the HVA network). Typical loan term is 6 months, ranging from 30 days to 1 year, with maximum 75% loan-to-value, first mortgage position, and a 1% origination fee. Designed for experienced real estate investors purchasing and rehabilitating residential investment properties.

Quantifiable outcome

• 700+ loans funded with zero defaults, zero late payments, zero foreclosures since 2019
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• HomeVestors of AmericacoreStrategic or Co-development PartnerHomeVestors of America (HVA), known for its 'We Buy Ugly Houses' brand, is a franchise organization with nearly 1,200 franchisees. The Bedrock Fund makes short-term private money loans exclusively to top-performing HVA franchisees (less than 5% of the network). HVA provides valuable data, oversight, and lending connections that enhance the fund's investment approach. Franchisees follow proven rehab processes with corporate accountability at every step. The relationship provides the fund with unparalleled access to verified track records, comprehensive oversight, and industry-leading default rates of less than 1% over 25 years. Borrowers risk losing their franchise if they default, creating strong incentive alignment.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PeerStreet: Real estate debt investment platform that connects investors to short-term, asset-backed loans. Operates a similar capital-pooling model to fund residential bridge loans for investors.
• Kiavi: One of the largest hard-money/bridge lenders for residential real estate investors in the U.S. Both Kiavi and The Bedrock Fund originate short-term, asset-backed loans to fix-and-flip operators with similar borrower profiles and loan structures.
• Patch of Land: Specialized bridge financing platform for residential fix-and-flip investors. Shares The Bedrock Fund's focus on short-term, asset-backed loans to experienced real estate investors.
• Lima One Capital: Direct lender to real estate investors offering fix-and-flip, rental, and new construction loans. Operates with a similar model of funding short-term, asset-backed residential loans to experienced investors.
• LendingOne: Direct private lender to real estate investors offering bridge and rental loans. Operates in the same niche as The Bedrock Fund with similar loan products for residential investors.
• Groundfloor: Real estate lending platform offering short-term, asset-backed loans to fix-and-flip investors funded through retail investors. Comparable borrower profile and asset class to The Bedrock Fund's loan book.
• CoreVest Finance: Lending platform specializing in financing for single-family rental and fix-and-flip investors. Targets a similar borrower base with comparable loan products and underwriting approach to The Bedrock Fund.
• Visio Financial: Private lending platform providing financing solutions to residential real estate investors. Comparable to The Bedrock Fund in originating short-term loans secured by residential property.

Emerging players

• CrowdStreet: Online real estate investment platform primarily focused on equity investments. While more equity-oriented than The Bedrock Fund's debt model, it targets the same accredited investor base seeking private real estate exposure.

Broad incumbents

• Angel Oak Capital Group: Established non-QM and investor-focused mortgage provider operating at much greater scale. Offers overlapping residential investor financing products as part of a broader portfolio, but does not specialize in the HVA-aligned niche served by The Bedrock Fund.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-bedrock-fund

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about The Bedrock Fund