Family offices
Built for capital that needs to endure.
Family offices can participate through Alliance Mortgage Fund or individual Trust Deed Investments secured by California real estate. We focus on meaningful borrower equity, careful underwriting, and direct involvement from the people who originate, fund, and service the loans.
What matters to a family office, and how Alliance Portfolio answers it.
What you need from an investment like this, and what we do about it.
Long-term stewardship
The strategy emphasizes borrower equity, underwriting discipline, and current income rather than maximizing yield.
Alliance Portfolio
Every investment is a loan secured by a deed of trust on a specific California property, with borrower equity standing ahead of it. Income comes from interest paid while the loan is outstanding, no sale and no revaluation is required for it to arrive.
Diligence and transparency
An investment has to withstand review by the CIO, the family’s counsel and its tax adviser, and be explainable to the family itself.
Alliance Portfolio
Third-party appraisal, preliminary title, the borrower package and a defined exit sit behind every loan. Alliance Portfolio sends the offering documents, or the complete diligence package on an individual loan, to whoever the family asks it to.
Flexible investment structures
Allocations are sized and staged against a wider portfolio, and are usually held through an entity or a trust.
Alliance Portfolio
Families participate through the pooled fund, in individual trust deeds, or in both, and hold either through the structure the family already uses. How subscription and title are documented is set out in the material for each route.
Direct access and relationship
A named relationship with the decision-makers, continuity across years and generations, and discretion about the family’s affairs.
Alliance Portfolio
Alliance Portfolio originates, underwrites and services what it lends. The person who answers the question is the person who made the decision, and Alliance Portfolio does not publish investor names.
Two routes into the same business.
Alliance Mortgage Fund and individual trust deeds are two structures for the same underlying lending. Investors hold one, the other, or both.
What you hold
An interest in a fund holding a portfolio of Alliance Portfolio loans.
One loan, secured by one California property.
Who selects it
Alliance Portfolio does, within the Fund’s stated strategy.
You do, loan by loan.
Diversification
Spread across the loans the Fund holds.
Concentrated in one property and one borrower.
Where the terms live
The current offering documents.
The note and deed of trust for that transaction.
Underwriting
Capital preservation is a decision made before the loan is funded.
The same four questions are asked of every loan Alliance Portfolio makes, whichever route an investor takes into it.
The property
What it is, where it is, its condition, and what it is worth today rather than later.
Borrower equity
How much of the borrower’s own capital sits in the property, and how much of it stands beneath the loan.
The structure
Amount, term, recorded position, and any reserve, draw or release the transaction requires.
The exit
How the loan is repaid: a sale, a refinance or a completed project, and what happens if that exit moves.
What you see before investing, and what you receive while invested.
Offering documents carry eligibility conditions, so we send the current version directly rather than posting it.
Before investing
- In the Fund
- The current offering documents: the structure, the fees, the risk factors, and the conditions on subscription and withdrawal.
- In an individual loan
- A complete due diligence package: the independent appraisal, the preliminary title report, the borrower package, the structure and the exit.
- For your advisers
- We send the same material to whoever you ask us to. CIO, counsel or accountant.
While invested
- Reporting
- As set out in the documents for the route you took, for as long as the investment is held.
- Servicing
- We service our own loans, so what we tell you comes from the company collecting the payments.
- Direct contact
- A named line to the people who made the lending decision, for anything the reporting does not answer.
How the relationship works.
Four steps, each handled by the people who make the lending decisions.
Introduction
A conversation about the family’s objectives and how an allocation to real estate credit would sit alongside the rest of the portfolio.
Review with your advisers
Fund or individual-loan material goes to whoever the family wants it to go to. CIO, counsel, tax adviser.
Invest
Subscription to the Fund on the terms in the offering documents, or funding a specific loan through escrow, held through the family’s own structure.
Continuity
Reporting as set out in the documents, and the same direct line to Alliance Portfolio for as long as the family stays invested.
How long each step takes depends on the transaction.
Questions we are asked.
Short answers here; the full answer to anything about terms is in the current material.
Can we invest through an entity or a trust?
Yes, families commonly invest through an entity or trust. How title and subscription are documented is set out in the material for each route.
Can we do both the Fund and individual loans?
Yes. Families hold one, the other, or both, and the balance between them is a decision we’ll talk through rather than recommend.
Who do we speak to?
The people who underwrite and fund the loans. There’s no portal to sign up through and no intermediary between the family and the decision.
Will our participation be public?
No. We don’t publish investor names, and success stories are published without them.
What do our advisers receive?
Whatever the family asks us to send them: fund offering documents, or the complete diligence package on an individual loan.
Start a conversation.
Tell us what the family is trying to achieve and Alliance Portfolio will confirm what applies to you, send the current material, and answer questions directly, including to the advisers who will review it.