Private Credit. Direct Access. Monthly Income.
ActivePoint Capital connects accredited investors directly with a curated network of vetted institutional borrowers — through simple, collateral-backed short-term lending arrangements that generate monthly income and keep your capital within reach.
Target Annual Return
25%+
Minimum Facility
$100,000
Standard Term
180 Days
Early Exit
Available
Target rate of up to 2% per month. Returns are objectives, not guarantees.
A Different Kind of Capital Access.
Most private lending opportunities are built for institutions — complex structures, opaque terms, and minimum commitments that put them out of reach for individual investors, even serious ones.
ActivePoint was built to change that.
We connect accredited investors directly with institutional-grade borrowers through straightforward, short-term private lending arrangements. Think of it simply: you act as the lender, our borrowers pay you monthly interest, and your full capital is returned at the end of the term. ActivePoint handles all the administration, documentation, and reporting in between — so you don’t have to manage a thing.
We are not a fund. We are not an investment advisor. We are a private administration platform — and our job is to make sure every lending arrangement across our borrower network is structured, administered, and reported with institutional precision.
How Our Private Credit Facilities Work.
Each ActivePoint facility is a direct, short-term lending arrangement between you and one of our qualified institutional borrowers. You are the lender. This is not a fund investment. This is not a pooled account. This is your capital, your loan, your return.
THE ARRANGEMENT
You extend a private credit line directly to a borrower from our vetted network. That borrower deploys capital across their diversified business operations and pays you interest every month. At the end of the term, your full principal is returned. Your facility is entirely independent — your arrangement has no connection to any other participant’s, and your returns are not affected by anyone else’s outcomes.
THE RATE
Our facilities target up to 2% per month — 25%+ annualized. Your rate is determined by the collateral coverage ratio on your specific facility: the value of independently appraised hard assets pledged against your lending arrangement. The higher the collateral coverage, the higher your rate.
THE TERM
The standard facility term is 180 days — approximately six months. Interest accrues daily from Day 22 and can be withdrawn at any time. Need to exit early? Submit a 60-day early redemption notice and your principal, along with all accrued interest, is returned to you. Facilities auto-renew at maturity unless you give notice otherwise.
What Participation Looks Like.
The following is illustrative only. Actual returns depend on collateral coverage ratios and are not guaranteed. All figures assume a 2% monthly rate over a 180-day term.
| Facility Size | Monthly Income | 6-Month Interest | Principal Returned | Total Return |
|---|---|---|---|---|
|
$100,000 |
$2,000/mo |
$12,000 |
$100,000 |
$112,000 |
|
$250,000 |
$5,000/mo |
$30,000 |
$250,000 |
$280,000 |
|
$500,000 |
$10,000/mo |
$60,000 |
$500,000 |
$560,000 |
|
$1,000,000 |
$20,000/mo |
$120,000 |
$1,000,000 |
$1,120,000 |
Illustrative only. Target returns are objectives, not guarantees. Past performance is not indicative of future results.
What Makes ActivePoint Different From Funds, Advisors, and Traditional Investments.
If you’ve built real wealth — through a business, a practice, real estate, or decades of disciplined decisions — you’ve probably been presented with the same options over and over. Here is how those options stack up against what we do.
Your financial advisor's portfolio
A well-managed portfolio might return 7–10% in a good year. But you’re riding market cycles, paying management fees, and watching your statement move with every Fed announcement. You hand over control and hope the market cooperates. When it doesn’t, your returns suffer — and so does your peace of mind.
A private equity or hedge fund
Funds can offer stronger returns, but you’re pooling your capital with other investors, handing decision-making to a fund manager, waiting years for liquidity, and filing a K-1 every tax season. Your money is committed indefinitely, and what you earn depends on how the whole fund performs — not on your specific arrangement.
Real estate
Real estate has built real wealth for generations. But it is not passive. Tenants, maintenance, financing, vacancies, property managers — it demands time and attention. For investors who have already put in the work and want their capital working without the management headaches, real estate often creates more obligations than it relieves.
An ActivePoint private credit facility
You lend directly to a borrower from our vetted institutional network. You collect monthly interest. Your capital comes back at the end of the term — with an early exit available if your plans change. You don’t manage anything. You don’t monitor a market. You don’t file a complex tax document. You collect interest and let the structure work.
| Financial Advisor | Private Fund | Real Estate | ActivePoint | |
|---|---|---|---|---|
|
Target Return |
7–10% annually |
Varies |
Varies |
25%+ annually |
|
Liquidity |
Generally liquid |
5–10 year lockup |
Illiquid |
60-day exit available |
|
Your involvement |
Moderate |
Low |
High |
None |
|
Tax document |
1099/Div |
K-1 |
Schedule E |
1099 |
|
Fees to you |
1–2% AUM |
Mgmt + carry |
Ongoing costs |
Zero |
|
Pooled capital |
Yes |
Yes |
No |
No |
How Your Capital Is Protected
Every facility on the ActivePoint platform is backed by independently appraised hard assets — real estate and other tangible holdings — pledged specifically to your lending arrangement. The following protections apply to every participant, across every borrower in our network, without exception.
Dedicated Collateral
The assets backing your facility are pledged exclusively to your loan. No asset may be counted toward more than one facility at the same time. Your collateral cannot be redirected, shared, or used to support any other participant's arrangement.
Cross-Default Firewall
Each lending facility is a legally independent agreement. What happens with one borrower or one participant has no legal or operational effect on any other facility across the platform. Your arrangement stands on its own.
Collateral Lock Under Stress
If any resolution event is triggered on a facility, collateral coverage is frozen immediately at current levels. It cannot be reduced, stripped, or reallocated while the facility remains in resolution — protecting your position throughout the process.
Structured Resolution Framework
Before any facility can be declared in default, a four-level resolution process must be fully exhausted — ensuring every avenue of recovery is pursued on your behalf
Liquidity Extension → Partial Return + Workout → Collateral Resolution → Default Declaration
You are never left without a defined path forward and clear communication at every stage.
Our Network of Qualified Institutional Borrowers.
ActivePoint works with a curated network of institutional-grade operating companies, each evaluated against rigorous onboarding criteria before any facility is opened on our platform. Our borrowers are not startups or single-revenue businesses. They are diversified operating companies with established histories, hard asset balance sheets, and the governance frameworks required to service their credit obligations with consistency.
Every borrower in our network is evaluated across a consistent set of criteria:
Diversified revenue operations
multiple independent income streams, so no single channel is solely responsible for meeting lending obligations
Hard asset collateral
independently appraised real estate, mineral interests, and other tangible holdings available to back each individual facility
Established operating history
verified track records reviewed as part of our onboarding and ongoing monitoring process
Institutional governance
formal treasury management policies, per-facility collateral independence, and structured reporting frameworks
Continuous platform monitoring
ongoing oversight of collateral valuations, payment history, and facility performance across the network
Our role as platform administrator is to hold that standard consistently — across every borrower, every facility, and every participant on the platform.
The Infrastructure Behind the Platform.
ActivePoint is built on institutional-grade administrative and legal infrastructure — the same caliber of partners you would expect from a platform managing serious capital at scale.
AlphaNode — Platform Administrator
AlphaNode provides the TPA infrastructure that powers every facility on our platform — participant onboarding, agreement execution, interest tracking, withdrawal processing, and real-time reporting. AlphaNode currently supports 420+ clients, 32,000+ participants, and administers more than $30 billion in assets globally. When your capital goes to work, AlphaNode ensures every dollar is tracked, verified, and reported correctly.
Clarkson PLLC — Legal Counsel
Clarkson PLLC serves as legal counsel to ActivePoint Capital, providing oversight of platform structure, participant agreements, and ongoing compliance. The firm specializes in banking, finance, and corporate governance. Founder Gavin Clarkson previously served as Deputy Assistant Secretary of the United States Treasury. Every agreement participants sign has been structured and reviewed by counsel with deep institutional experience.
The Leadership Behind the Platform.
ActivePoint was founded by two capital markets professionals who spent their careers inside institutional finance — and built this platform to open access to individual investors who have earned it.
Patrick Van Dusen
Co-Founder & Partner
Patrick has spent his career building and scaling investment platforms and raising capital across institutional and individual channels. He has helped raise more than $250 million in capital across multiple investment projects, and serves as a partner in several investment vehicles focused on long-term capital strategy and portfolio growth.
Nick Sorensen
Co-Founder & Partner
Nick brings deep experience in global capital markets including foreign exchange, market indexes, and institutional trading strategy. He has built and led companies generating more than $500 million in revenue, and brings hands-on experience managing both automated and discretionary strategies across multiple asset classes and market conditions.
Who This Is For
ActivePoint facilities are available exclusively to accredited investors. You do not need a background in finance or investing to participate — but you do need to meet the criteria below.
You may qualify if you:
- Have a net worth exceeding $1,000,000, excluding your primary residence, or
- Have earned income exceeding $200,000 individually — or $300,000 jointly with a spouse — in each of the two most recent calendar years
The minimum facility size is $100,000.
We work with business owners, professionals, real estate investors, retirees, and others who have built meaningful capital and are looking for a straightforward way to put it to work. Prior investment experience is not required. If you can follow a straightforward conversation about lending money and receiving monthly interest in return, you have everything you need.
A member of our team will confirm your accreditation as part of the inquiry process and walk you through the full structure before you commit to anything.
Frequently Asked Questions
Everything you need to know in one place.
Is this a fund?
No. ActivePoint facilitates direct lending arrangements between individual participants and institutional borrowers from our network. Capital is never pooled. You are a lender — not a fund investor. Your arrangement is entirely your own.
Who are the borrowers?
We work with a curated network of qualified institutional operating companies. Every borrower in our network has been evaluated against our platform’s onboarding criteria and is subject to ongoing monitoring. Full counterparty information is provided to participants prior to signing any agreement.
How accessible is my capital?
More accessible than most private arrangements. Interest may be withdrawn any time after Day 22 of your facility. Your principal may be returned by submitting a 60-day early redemption notice. The standard term is 180 days — but you are not locked in indefinitely.
What backs my loan?
Independently appraised hard assets — primarily real estate and other tangible holdings — pledged specifically to your facility. Not shared across a pool or with any other participant.
What are the fees to me?
None. Zero fees are charged to participants. ActivePoint’s platform fee is paid directly by the borrower. Every dollar of interest generated by your facility belongs to you.
What is the tax treatment?
Interest income is reported on a simple 1099. No K-1. No partnership return. No complex filings at tax time.
What is the minimum?
$100,000 per facility.
When does interest start accruing?
Day 22 following the funding of your facility. From that point forward, interest accrues daily and is visible in your account dashboard in real time.
Do I need investment or finance experience?
No. We walk every participant through the full structure on a call before anything is signed. If you understand the concept of lending money and receiving interest in return, you have everything you need to participate.
What happens if a borrower can't pay?
Before any facility can be declared in default, a structured four-level resolution process is followed — including liquidity extensions, partial returns, and collateral resolution. If resolution ultimately results in a loss, that loss is limited to the collateral designated to your specific facility. You have no additional exposure beyond that.
Get in Touch
Have a question or ready to learn more? Fill out the form below and a member of our team will be in touch within one business day.
Ready to Put Your Capital to Work?
If you have capital sitting in a low-yield account, tied up in assets you’re ready to step back from, or parked somewhere it isn’t working hard enough — we’d like to have a conversation.
The next step is simple. Watch our full investor presentation and see exactly how our platform works, how our borrower network is structured, and what participation looks like for investors at your level.
No pressure. No obligation. Just a clear, direct look at the opportunity — and the information you need to decide if it’s right for you.
For accredited investors only. This is a commercial lending arrangement, not a securities offering. Target returns are objectives, not guarantees.