Articles / Case Studies

Anatomy of an Actium Loan: Condominium in Maui

Situation One of our trusted referral sources reached out to us, asking whether we would be interested in making a loan secured by a first-position lien on a condominium. The condominium, located on the Island of Maui of Hawaii, carried great present day value, and, as a first-position loan, could present relative safety for our … click to read more

A Loan We Declined: Walking Away from Risk in Southern Utah

Situation One of the loan brokers Actium had developed a relationship with recently approached us regarding a real estate investment loan opportunity secured by twenty residential building lots, located near St. George, Utah. The borrower was a home builder looking to build out the lots, and the broker told us that the loan to value … click to read more

Anatomy of An Actium Loan: Heber, Utah Subdivision Lots

Situation A home builder approached us to refinance a loan secured by three building lots in a subdivision near Heber, Utah. This builder was in the process of building other homes in the area and held these lots as inventory to sell to future homeowners. Due Diligence The borrower requested a loan of $300,000. The … click to read more

A Loan We Declined: Walking Away From Risk In South Salt Lake, Utah

Situation The area of South Salt Lake, Utah is experiencing substantial growth due to the recent addition of a light rail and a large commercial development slated to be anchored by Winco. We previously held a loan secured by a warehouse in this neighborhood and saw the increase in values. A borrower approached us to … click to read more

Anatomy of an Actium Loan: St. George Warehouse

Loan Due Diligence The owner of an industrial supply business was looking for funding on a short-term basis to cover cash flow needs until permanent financing could be obtained. He owned a warehouse outside of St. George, Utah that handled the Southern Utah operations for his business. In addition, some of the warehouse was rented … click to read more

A Loan We Declined: Orem, Utah

We were recently approached regarding a loan on commercial real estate in Orem, Utah. The mortgage broker provided a recent appraisal that was done on the property that would have given the transaction a loan-to-value ratio that would be potentially acceptable to us. Loan Due Diligence The property was in an area of considerable redevelopment … click to read more

All Funds Deliver Returns Above 11%

Actium’s funds underwent audits to verify their financial results as part of their regular year-end close. The audits across Actium’s three loan funds revealed an audited internal rate of return to investors in excess of 11% per annum. Investors in the Actium High Yield Loan Fund I have received a return of 11.49% since the … click to read more

Anatomy of an Actium Loan: A Property in Brigham City, Utah

We were recently approached to make a loan on a limited service motel in Brigham City, Utah.  The motel is located on the south side of town near the state highway leading to Logan, Utah and enjoys being associated with a strong national brand. Though the borrower was depending on bank financing to purchase the … click to read more

Anatomy of an Actium Loan: A Home in Payson, Utah

During the fourth quarter, we were asked to make a loan secured by a residence in Payson, Utah, a town south of Provo, Utah. The home is on a 5-acre parcel and enjoys sweeping views. Loan Due Diligence As part of our loan evaluation process we inspected the property and spent time in the surrounding … click to read more

Invest Through Retirement Accounts

In today’s economic environment, many investors are looking for alternatives to the stock and bond market for their retirement accounts. For accredited investors, the Actium Loan Funds can accept investments from the self-directed portion of an investor’s Individual Retirement Account.   To facilitate the investment, the funds need to be transferred to a third-party administrator. … click to read more