Articles / Case Studies

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

Loans We Turn Down

We often write in our quarterly newsletter about loans we make; however, very little is said about the loans we decide not to make. Below is an example of a loan in Cedar City, Utah that we turned down. We were recently approached by a business owner looking to obtain a loan for self-storage units. … click to read more

Anatomy of An Actium Loan: Motel Near Bryce National Park

In our lending experience, we have found that real estate located near the National Parks tend to be very strong collateral. Due to this, when this past quarter we were asked to loan on a restaurant and motel located by Bryce National Park in Southern Utah, we decided to give the property a closer inspection. … click to read more

Actium Returns Exceed
11% IRR in 2015

Actium Returns   Return of Other Fixed Income Investments in 2015 Fund I has delivered an internal rate of return (IRR) of 11.38% since inception on February 4, 2014. The IRR for Fund II was 13.22% since its inception on March 9, 2015. Looking at bond market indices in 2015, the Barclays Aggregate Bond Index showed an … click to read more