For Today’s Income-Seeking Investor Backed by $8B in Lending History
We offer accredited investors access to real estate-backed private credit
designed to generate income and preserve capital - outside of stocks and bonds.
First-Lien Position: Loans backed by first liens on real property
Founder-Led & Invested: 34+ Years Lending Experience & $5 million dollar personal investment
Targeted Returns: 8% Preferred Return + Profit Share, aiming for a 12-15% annual return
Proven Legacy: Backed by Top Flite Financial's $8B+ Funding & 9-Time Inc. 5000 Hall of Fame Success
Disclaimer: For accredited investors only under Rule 506(c). This is not an offer to sell or a solicitation to buy securities. Investments are offered via official documents only. Past performance is not a guarantee of future results.
Our Parent Company ‘Top Flite Financial’ is Recognized by Leading Industry Organizations:
Our Parent Company ‘Top Flite Financial’ is Recognized by Leading Industry Organizations:
Rooted in Real Assets. Built for Income and Stability
Top Flite Capital is led by the founders of Top Flite Financial, a nationally recognized mortgage platform responsible for over $8 billion in funded loans.
Through carefully underwritten, real estate-backed opportunities, we help qualified investors — from individuals to institutions — gain access to private credit strategies that prioritize capital preservation, yield consistency, and community-centered impact. These strategies offer an income-focused alternative to traditional markets like stocks and bonds.
Our team brings decades of lending experience and a track record of responsible credit practices, now channeled into a modern vehicle for today’s selective investor.
Disciplined Underwriting:
Equity-focused (average 65% LTV), founder approves all deals.
Unique Deal Access:
Nationwide sourcing via Top Flite Financial's network.
Unmatched Alignment:
34+ years founder experience & $5M personal fund investment.
Performance + Purpose:
Aiming for strong returns while supporting community impact.
How It Works
Our Investment Process Simplified
Step 1:
Strategic Sourcing & Fund Focus
Opportunities are identified through Top Flite Financial's national network, aligning with our equity-based real estate loan strategy.
Step 2:
Rigorous Underwriting & Founder Approval
After a full underwrite, Timothy Baise personally looks at and approves every deal.
Step 3:
Capital Deployment into Vetted Loans
Investor capital is deployed into a diversified portfolio of these short-term, first-lien real estate loans.
Step 4:
Income Potential & Transparent Reporting
Aiming to generate 12-15% annual returns for investors with clear reporting via Sponsor Cloud.
Timothy Baise
Founder & CEO, Top Flite Capital
With over 34 years of deep experience in real estate and finance, Timothy Baise is the visionary leader behind Top Flite Capital.
His journey includes founding and scaling the Inc. 5000 Hall of Fame company Top Flite Financial ($8B+ funded) and a two-decade personal track record of successful equity-based lending with no capital loss.
Timothy is personally investing an initial $5 million in Top Flite Capital, underscoring his commitment to its "Performance + Purpose" mission.
In the Spotlight
In this conversation, Timothy Baise -- Founder & CEO, Top Flite Financial and Top Flite Capital -- shares his extensive journey in the real estate industry, detailing his early challenges, transition to lending, and the establishment of a successful business.
He emphasizes the importance of compliance, market awareness, and the various avenues available for aspiring investors. Tim also discusses the current state of the market and offers insights into the future of real estate and lending opportunities.
Top Flite Capital Fund
Minimum Investment:
Minimum investment = $100,000
Term (Typical Loan Duration):
Short-Term (typically < 1-2 years for underlying loans)
Target Investor Return:
8% Preferred Return (Paid Quarterly) + Profit Share (Targeting 12-15% Total Annualized Return)*
*Targets are not guaranteed. Investments involve risk, including potential loss of principal.
For accredited investors only under Rule 506(c). This is not an offer to sell or a solicitation to buy securities. Investments are offered via official documents only. Past performance is not a guarantee of future results.
The Opportunity in Private Real Estate Lending
In today's evolving financial landscape, traditional bank lending has become more restrictive, creating a "funding gap" for many viable real estate projects. This has fueled the growth of the private credit market, offering sophisticated investors an avenue to participate in asset-backed opportunities that aim for consistent income potential and portfolio diversification, often with less correlation to public market volatility. Top Flite Capital is strategically positioned to capitalize on these trends.
Explore whether our strategy aligns with your income and preservation goals.
Our Approach in Action: Examples from Our Founder's Experience
The principles guiding Top Flite Capital are honed from decades of Timothy Baise's personal success in equity-based real estate lending. These examples illustrate the type of strategic thinking and value creation we aim to replicate within the fund:
New Construction Condo
Development, 38-acre parcel purchase in Northern Michigan resort town. Land appraised at $5,700,000, Provided a 24-month land loan for $3.2 million @ 12% with compounding interest Secured 5% equity in a $200+ million Development. Projected return exceeds $10 million over 2- 3.5 years.
Tax Forfeiture Rescue
Helping a disabled veteran keep his home. Veteran was about to lose his $350,000 free & clear home due to unpaid real estate taxes. Provided $45,000 short-term equity-based loan. Saved his home while generating 12% annual returns.
Bridge Loan Success
Preventing a major purchase from falling apart. $800,000 loan funded in just 72 hours Prevented a $3,000,000 new home purchase from collapsing. Earned 2.5% origination + 12% interest, repaid in two weeks. 29.6% annualized high-yield, low-risk return. Top Flite Home Loans won the $3M loan from another lender, and saved the purchaser from losing a $200,000 non-refundable deposit.
Learn How We Aim for Consistent Income Potential
Unlocking Alternative Income – A Guide to Understanding Equity-Based Real Estate Loans
Frequently Asked Questions
What is the typical investment process for Top Flite Capital?
The investment process is designed to be secure, compliant, and straightforward:
Initial Interest – Prospective investors start by expressing interest and scheduling a brief discovery call to determine fit and answer any early questions.
Accreditation Verification – Investors must verify their accredited status, typically through a third-party verification provider or self-certification, depending on the offering structure.
Document Review & Signature – Upon qualification, investors receive the Private Placement Memorandum (PPM), Subscription Agreement, and related documents for review and electronic signature.
Capital Transfer – Once documents are completed, funds are wired to the escrow or fund account.
Confirmation & Onboarding – Investors receive a confirmation of their investment, onboarding instructions, and access to reporting moving forward.
Top Flite Capital’s team is available throughout the process to guide investors and ensure a smooth experience.
How does Top Flite Capital manage risk in its equity-based loan investments?
Answer: Conservative loan to values (average 65% LTV), first-lien positions, rigorous underwriting, diversification within the fund, drawing on 34+ years experience including GFC.
What kind of reporting and communication can investors expect from Top Flite Capital?
Answer: Regular email and video updates, access to investor portal via third-party administrator Sponsor Cloud, clear financial reports, K-1s.
What are the typical investment horizons for the underlying loans in Top Flite Capital's fund?
Answer: The underlying loans are typically short-term, generally less than 1-2 years. Refer to PPM for fund term details.
What Our Clients Are Saying
"My wife and I were blessed to have the opportunity to become investors in Top Flite Financial, in 2013 and our only regret is that we did not invest more when we had the chance. Our stock has provided a continuous flow of distributions such that the original investment has been repaid seven-fold. From a different perspective, the return on said investment has outpaced the S&P 500 and Russell 200 Indices by wide margins over the same time period. We look forward to future opportunities to invest."
Brian and Laura French
“I initially invested in Tim and Top Flite 14 years ago! I can honestly say, from an investment standpoint, it has been one of the best investments ever made! My initial investment has already been paid back over 9 times with consistent dividends over the last 13 years… best thing is, we are still going! Not too many times in life do you see 900%+ returns! Clearly Tim and Team know how to make money, lending it…. which is why I am jumping in on this newest investment with Top Flite Capital! ”
Brad
"I’ve been a part of the Top Flite team for 17 years and an investor for 13—and I can say with complete confidence that this company delivers. I’ve seen tremendous returns over the years, but more importantly, I’ve seen the integrity, strategy, and dedication behind those results. Being both an insider and an investor gives me a unique perspective, and I couldn’t be more confident in the direction we’re heading."
Matt C
Get The Most Sought Out Insights
Market Trends
5 min read
2025 Private Credit Outlook: Opportunities for Accredited Investors
Explore key trends shaping the private real estate debt market and how Top Flite Capital is positioned.
Investment Strategy
5 min read
Beyond LTVs: The Pillars of Top Flite Capital's Underwriting Discipline
A deep dive into our multi-faceted approach to risk management in equity-based lending.
Performance + Purpose
5 min read
Investing with Impact: How Top Flite Capital Aims to Do Well by Doing Good
Learn about our commitment to community and how it aligns with our financial objectives.
Live Webinar: Unlocking an 8% Preferred Return Target with Top Flite Capital’s Equity-Based Loan Strategy - Thursday @ 2 PM EST (Session has ended)
The information presented on this website and related pages likely contain information relating to one or more private placements of equity securities offered under Rule 506(c) of Regulation D as promulgated by the Securities and Exchange Commission (the “SEC”). Any information publicly available on this website is not an offer for the sale of securities. Any offerings referenced herein are qualified entirely by their respective private placement memoranda circulated by the issuers, and securities may only be offered and sold pursuant to such memorandum and applicable securities laws. Offerings are made only to persons who qualify as Accredited Investors, as defined by Rule 501 under Regulation D promulgated by the SEC. Investors will be required to verify and certify to such status. Moreover, unless expressly stated otherwise, securities are only offered by the issuer of such securities, by and through its general partner or manager and their direct agents, as applicable. Accordingly, though this website may contain information related to several offerings, each by separate issuers, the offerings are all offered by the same sponsor and governing principles, each on behalf of the respective issuers.
This information on this website and related pages does not purport to be all inclusive or to contain all of the information that a recipient may require to make an investment decision and is qualified in its entirety by the official offering materials for each respective offering, including private placement memoranda. NOTHING presented herein should be taken as investment, advisory, financial, or legal advice and all visitors are encouraged to seek their own legal and financial counsel prior to making any investment decisions. There is no guarantee that any of the estimates or projections presented will be achieved. The recipient should not rely on any information contained herein as no investment, divestment, or other financial decisions or actions should be based solely on the information on this site and related pages. Actual results will vary from the projections and such variations may be material, including the possibility that an investor may lose some or all of its invested capital. Nothing herein is investment advice.