First-Lien Position: Loans backed by first liens on real property.
Founder-Led & Invested: 34+ Years 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:
Top Flite Capital builds on the foundation of Top Flite Financial — recognized by Inc. 5000, Bloomberg, and more, with over 23 years of lending experience and community involvement.
Equity-focused (average 65% LTV), founder approves all deals.
Nationwide sourcing via Top Flite Financial's network.
34+ years founder experience & $5M personal fund investment.
Aiming for strong returns while supporting community impact.
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.
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.
Minimum investment = $100,000
Short-Term (typically < 1-2 years for underlying loans)
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.
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.
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:
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.
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.
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.
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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.
Answer: Conservative loan to values (average 65% LTV), first-lien positions, rigorous underwriting, diversification within the fund, drawing on 34+ years experience including GFC.
Answer: Regular email and video updates, access to investor portal via third-party administrator Sponsor Cloud, clear financial reports, K-1s.
Answer: The underlying loans are typically short-term, generally less than 1-2 years. Refer to PPM for fund term details.
"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."
“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! ”
"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."
Get The Most Sought Out Insights
Market Trends
5 min read
Explore key trends shaping the private real estate debt market and how Top Flite Capital is positioned.
Investment Strategy
5 min read
A deep dive into our multi-faceted approach to risk management in equity-based lending.
Performance + Purpose
5 min read
Learn about our commitment to community and how it aligns with our financial objectives.
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.