Individual Loans
Review a specific transaction—not a blind portfolio.
Direct Loan Assignments · Accredited Investors
Review each private real estate loan on its own merits.
Stone Oak Capital Group provides qualified, accredited investors with private access to specific business-purpose real estate loans that may be available for direct assignment. Review the collateral, credit, structure, and risks before deciding whether to proceed.
Asset-Backed Credit
Each loan is supported by defined real estate collateral.
Investor Discretion
Choose whether to pursue each opportunity presented.
Direct Documentation
Rights and obligations are set by the final loan-assignment documents.
Active Underwriting Pipeline
Review administrator-approved loan assignment opportunities.
See selected, anonymized loans currently moving through underwriting, including the current stage and the exact term-sheet offer approved for public circulation.
Transaction-Specific Access
Know the loan before you invest.
Stone Oak Capital Group originates and evaluates private business-purpose real estate loans. When a loan matches an investor’s criteria, we provide a confidential, transaction-specific review process for potential direct assignment.
There is no requirement to purchase a future loan and no public list of borrower files. Each potential assignment is considered separately based on the investor’s criteria, the underlying loan documents, borrower and property information, and applicable legal and closing requirements.
No pooled fund. No blind commitment.Confidential loan review before any transaction decision.
Transaction Review
A structured review for independent diligence.
The materials available for any loan depend on its stage, borrower authorization, third-party reports, and final structure. Qualified investors receive only the information appropriate to that transaction.
Transaction Summary
A concise overview of the borrower, collateral, requested structure, business plan, and intended repayment strategy.
Property & Credit Review
Available property information, valuation support, sponsorship, sources and uses, operating data, and material underwriting considerations, including a documented credit decision and risk assessment from an independent third-party underwriting company as applicable.
Loan & Collateral Documents
Applicable note, mortgage or deed of trust, title and lien information, insurance requirements, and assignment documentation.
Risk & Exit Analysis
Transaction-specific risks, maturity and extension considerations, servicing plan, and the proposed sale or refinance exit.
How It Works
Qualification first. Loan review second.
Stone Oak Capital Group keeps borrower information private and introduces potential assignments through a controlled, transaction-specific process.
Request Access
Tell us about your lending experience, capital range, and preferred loan types.
Verify Eligibility
Stone Oak Capital Group confirms identity, accredited investor status, and transaction fit through a private qualification process.
Review a Specific Loan
Qualified investors may receive confidential materials for an individual loan that matches their stated criteria.
Complete Diligence & Assignment
The investor and its advisers review the file and, if approved, execute the transaction-specific assignment, servicing selection, and closing documents.
Independent Credit & Servicing Controls
Independent underwriting. Professional loan servicing.
Independent providers add documented credit review and structured loan administration while the investor retains control over its acquisition decision and servicing selection.
Third-Party Underwriting
Credit decision and risk assessment.
Stone Oak Capital Group uses qualified independent third-party underwriting companies, as applicable, to review borrower and guarantor credit, liquidity, experience, collateral, leverage, cash flow, sources and uses, construction information, market support, documentation, and exit strategy. The third-party underwriter provides a documented credit decision and risk assessment used in the final approval process.
No proposed loan receives final approval until all required underwriting, verification, third-party reports, legal review, capital-provider approvals, and documentation are complete.
Third-Party Loan Servicing
Professional servicing with investor choice.
Every completed loan assignment will be serviced by a professional, independent third-party loan servicer unless the investor elects to use its own qualified third-party servicer. The selected servicer and its responsibilities are documented as part of the closing and servicing arrangements.
Depending on the servicing agreement and loan documents, servicing may include payment processing and accounting, statements, borrower notices, payoff administration, account records, and delinquency administration.
Independent underwriting and third-party servicing provide additional review and administration; they do not eliminate credit or collateral risk and do not guarantee payment, recovery, or repayment of principal.
Relationship Fit
For investors experienced in real estate credit.
This program is intended for accredited individuals, family offices, trusts, qualified entities, and other experienced capital sources able to evaluate private commercial and business-purpose real estate loans and bear the risk and illiquidity of a direct loan acquisition.
Review the SEC accredited-investor overview →Accredited investor status and identity can be verified privately
Experience evaluating real estate, lending, credit, or collateral risk
Capacity to review transaction-specific legal and diligence materials
Independent legal, tax, and financial advisers available when appropriate
No need for guaranteed liquidity, payments, or principal protection
Investor Relationship Request
Tell us which loans fit your criteria.
This initial form collects relationship and eligibility information only. It does not request supporting financial documents and does not provide access to a specific loan.
- Response from the Stone Oak Capital Group team
- Private verification of accredited investor status and identity
- Discussion of loan size, structure, collateral, and market preferences
- Choice of a Stone Oak-arranged servicer or the investor’s own qualified servicer
- Confidential opportunity review when a potential match is available
Frequently Asked Questions
Clear answers about direct loan assignments.
Is this a pooled fund?
No. This page is designed for transaction-specific loan assignment relationships. There is no blind-pool commitment, and an investor may evaluate each loan independently.
What information is shown on the public opportunities page?
Only an anonymized summary, current underwriting stage, and administrator-approved term-sheet offer are published. Borrower, guarantor, and protected file information remain private and are shared only after qualification and any required confidentiality steps.
What would an investor acquire?
The exact rights are defined in the final transaction documents. A completed transaction may include assignment of a specific promissory note and the related collateral and loan rights, subject to the underlying documents and applicable law.
Does Stone Oak Capital Group guarantee payments, yield, or repayment?
No. A real estate lien does not eliminate credit, collateral, market, servicing, extension, enforcement, or loss risk. Every prospective purchaser should complete an independent legal, tax, and financial review.
Can an entity or self-directed retirement account acquire a loan?
Potentially, depending on the entity, custodian, loan documents, transaction structure, and applicable requirements. Eligibility is reviewed before transaction materials are provided.
Who services an assigned loan?
Every completed assignment will be established with a professional independent third-party loan servicing company unless the investor elects to use its own qualified servicer. The servicing agreement and underlying loan documents define the servicer’s responsibilities.
Important Information
This page is for preliminary relationship and eligibility purposes only. It does not reserve or make any loan or note available for purchase and is not investment, legal, or tax advice. Any potential assignment is transaction-specific and subject to investor qualification, borrower confidentiality, independent diligence, applicable law, and executed definitive documents. Private real estate loans are illiquid and involve substantial risk, including delayed or missed payments, extension, default, enforcement expense, property-value decline, and partial or total loss of principal. A mortgage or other lien does not guarantee payment or recovery. Stone Oak Capital Group does not guarantee any yield, payment schedule, repayment date, collateral value, or investment result. Loan purchases are not bank deposits and are not FDIC insured. Any preliminary loan structure, credit indication, term discussion, or loan summary remains non-binding and does not constitute final loan approval or a commitment to lend. The underlying loan remains subject to underwriting by Stone Oak Capital Group and/or an independent third party, verification, applicable reports, legal documentation, lender or capital-provider approval, and final written approval. Each completed assignment will include a professional independent third-party loan servicer unless the investor elects to use its own qualified third-party servicer. Neither a third-party credit decision, risk assessment, nor a servicing arrangement guarantees payment, collateral recovery, or repayment of principal.