Meet Our Team

Our Company

Enact Partners is a private real estate lender based in Carlsbad, California. Through its EP Guardian Fund, Enact Partners provides real estate investors, property owners, developers, and builders with fast, streamlined access to the capital they need to advance their real estate projects.

Known for its creativity, flexibility, and knowledge of real estate and lending environments, Enact Partners has grown to be a trusted direct lender serving clients in the western United States.

EP Guardian Fund

The EP Guardian Fund (“Fund”) is a private mortgage fund that provides business purpose loans secured by commercial real estate, non-owner occupied residential, land, and similar investment properties.

The EP Guardian Fund offers accredited investors the opportunity to invest in loans secured by real estate without the responsibility and stress of managing real estate assets. Loans are diversified in terms of asset class and geography. Returns are paid monthly, and they are non-correlated to the stock market.

Enact Partners was founded in 2013, funding its first loan for $100,000.
Enact Partners was funding multi-million-dollar loans for commercial construction and real estate development projects.
Loans have grown to $25 million per year, mainly through word-of-mouth and referrals from satisfied clients.
The EP Guardian Fund was formally established in 2019. Investors have enjoyed stable returns, with no losses dating back to Enact Partners’ inception.

Purpose, Vision, Core Values


We provide innovative lending solutions to non-traditional borrowers, without the conventional lending bureaucracy.

To be the preeminent bridge lender empowering borrowers with real estate capital they need.

Core Values

  • We recognize the important role that we play in helping others achieve their goals.
  • We foster collaboration with our investors, borrowers, and strategic partners.
  • We build trust through transparency.
  • We pursue continual improvement through curiosity, creativity, and education.   
  • We forge a company culture that is known for being a great place to work.

Enact Partners’ Culture

  • We value work/life balance and flexibility. We have autonomy and support to take care of families, pets, health, etc.
  • We are learning and growing. We have the opportunity to develop professionally and personally.
  • We are treated with dignity and respect and have the autonomy to make decisions. Our contributions are meaningful and appreciated, empowering us to make decisions.
  • We all play an important role in helping to grow the company. We participate financially and share in our collective success.

Meet Our Team

Michael Schumacher

President & Founder

Lisa Wheland

Executive Assistant

Mavis Anguiano

Loan Administrator

Ralph Valenzuela Image

Ralph Valenzuela

Real Estate Analyst

Rob Seidenwurm

Legal Consultant

Rob Seidenwurm

Legal Consultant

Success Stories

What clients are saying about their experiences with Enact Partners.

Michael Schumacher and the entire team at Enact Partners are a pleasure to work with. From start to finish, the process was efficient and the turnaround times were extremely quick. We will continue to utilize the team on Enact in all of our future deals.

- Mike B.

Enact Partners is an outstanding lender to work with. All Enact team members are extremely knowledgeable and professional, which made the transaction move forward quickly and efficiently. It is important to note that Enact’s underwriting process was completed quickly and they closed shortly thereafter on a complicated land loan. Importantly, Enact processed draw requests and funded within a few days. We would wholeheartedly work with Enact Partners in the future.

- Shellie K.

In 2021, we had the pleasure of working with Enact Partners on a Finance deal for expansion. It was an exceptional experience filled with professionalism, honesty and flexibility. The entire team was passionate, genuine, and extremely supportive with Michael Schumacher leading the way. What sets (Enact Partners) apart is their unique combination of commitment, integrity, and a genuine passion for people to succeed. Their ability to connect and get the job done is second to none. We highly recommend Enact Partners.

- Daun F.

The Enact Team is a pleasure to work with. As a Capital Advisory, Design and Entitlement Management company with a 30-year history of providing professional services to the real estate development and finance industries throughout the Western United States, we have had the privilege of working with the entire team at Enact Partners over the past five years and have found them not only to be consummate professionals in the private money lending space, but also extremely experienced in all facets of complicated real estate finance and lending transactions.

- John S.

Enact’s communication and personal attention to every detail made all the difference in getting our deal done. We engaged Enact Partners in the fall of 2021 to help us in a very complex real estate transaction. Throughout the entire process, Enact was extremely responsive and easy to work with. I can’t thank Michael and his team enough for how professional they were in helping us close the deal and on time.

- David P.

We would definitely work with (Enact Partners) again and would highly recommend. Our experience with Michael and the Enact Partners team has been outstanding. They financed a large project for us, and we found them to be a great lender who could see value in our future plans. They were very nimble in their underwriting and facilitated a smooth, quick closing. The entire team has always been knowledgeable, professional, and easy to reach. We would definitely work with them again, and would highly recommend.

- Drew H.

We truly enjoy working with Enact Partners. Mavis and (the team) are very responsive and informative. The loan and draw processes are quick and straight forward.

- Jason M.

I have worked with numerous lenders across the country and Enact Partners is by far the best. They do what they say they’re going to do and they are a pleasure to work with. Enact Partners got us funded on time with no hiccups or surprises and they will continue to be my first choice for financing. I recommend them highly.

- Jim S.

(Enact Partners) is easy to work with and have always performed on time or ahead of schedule. Enact Partners has funded multiple loans for our company over the years. The speed of funding is important to us and they have been excellent about acting quickly when it matters – in some cases, within just 4 days. We will continue to rely on the Enact Partners Team for timely and efficient funding. We have no hesitation in recommending them to anyone who may need financing options. These guys do great work and it’s refreshing to be able to count on them when we need them.

- Joe G. and Gary C.

This experience (with Enact Partners) was different from working with stuffy, hard-to-communicate-with banks. I wanted to take a moment and thank you for helping us with our loan. It was such a pleasure working with Enact Partners. Your assistance and thoroughness throughout the process was incredible. The positive can-do attitude that your whole team displayed was so refreshing. I was also impressed with your consistent responsiveness. Your quick response to my calls and text messages really made me feel special. This experience was different from working with stuffy, hard-to-communicate-with banks. I sure hope we have the opportunity to work together again.

- Linda M.

When dealing with Enact Partners, they are on your team.  All negotiations and deal structuring are done in a win/win manner. Excellent partners!

- David W.

Enact Partners has been an amazing organization to work with. They listened to our needs and then offered their solutions. Their attention to detail made the entire process easy. Their communication skills are great, which made closing the loan smooth. We are so grateful for finding such a quality Business Lender. Michael, we sincerely do appreciate your working with us in such a friendly manner. We tried so many banks and found them to be disinterested in working on a loan that didn't fit in their BOX. We will be forever grateful for your trust in us. Thanks.

- Connie J.

Enact Partners has been a pleasure to work with on our loans. They are knowledgeable and have a very efficient loan and communication process resulting in a low stress and quick-closing transactions. Even more, they are really nice folks to do business with. I highly recommend Enact Partners and look forward to future business.

- Brian H.

Everyone at Enact Partners has been a joy to work with. They are clear about the lending process and responsive to my many, and sometimes repetitive, questions. What I appreciate the most is that I truly feel they are shoulder-to-shoulder with me to make my business a success. Partnership isn't a contractual word at Enact, it is a way of being.

- Ann B.

Finally, a company that works like I do: gather the facts and make a decision. Enact has been swift, professional, and continued great service after the sale was complete.

- Cindy B.

You guys (Enact Partners) are great. You're very personable and absolutely the type of lender I need. I love how you visit the sites. It provides the best view of the project as a whole and, as you know, each project is unique and doesn't always fit into the same box.

- Paul S.

Enact Partners came in to refinance a complex residential transaction for me in less than two weeks. Their responsiveness, attention to detail, solutions-oriented nature, and out-of-the-box thinking made them the perfect partner to close with on a tight timeline. I would not hesitate to work with (Enact Partners) again and cannot recommend their team highly enough.

- Emily L.

I just wanted to reach out and say ‘thank you’ for making my build up here in Tacoma, WA a smooth and pleasant experience. The entire process was smooth and the software we all used to submit the draws and load photos was very helpful. I never felt that you guys didn't have my back the entire process. The building and landscaping turned out fantastic and I just signed my first tenant into the left side yesterday! Thanks again and I hope to work with you again in the future.

- Steve

Michael Schumacher


As President and Founder of Enact Partners, Michael Schumacher provides strategic direction for the company and is responsible for managing their private commercial mortgage fund, EP Guardian Fund. Over the last 20 years, he has executed over $1 billion in commercial real estate development and investments throughout the United States for both public and private companies, with clients ranging from family trusts to large publicly-traded institutions.

Michael previously served as a City Councilmember for the city of Carlsbad, California. He also served as Chairman of the Carlsbad Planning Commission and the Design Review Board, as well as numerous boards and commissions in the San Diego region.

He earned a Master’s of Science in Administration with an emphasis on Tax Increment Finance from Central Michigan University and a Bachelor’s degree from North Dakota State University. He holds a California real estate broker’s license.

Michael lives in Carlsbad, California with his wife and two children. He enjoys spending time with family and friends, surfing, dirt biking, flying airplanes, reading, and good coffee.

Lisa Wheland

Executive Assistant

As Executive Assistant for Enact Partners, Lisa Wheland has a wide range of responsibilities. She provides administrative support by overseeing office management, accounting, marketing, scheduling, and investor client relations. Lisa brings more than 15 years of experience in project management and executive support.

Lisa is responsible for the creation and distribution of monthly investor reports and she plays a significant role in risk mitigation and compliance.

Previously, Lisa enjoyed a career in the field of higher education and regulatory compliance. This experience, along with her attention to detail, makes her a highly effective and valuable team member.

A native of Southern California, Lisa lives in Cardiff by the Sea with her fiancé and spends her free time cooking and catering to her French bulldog.

Mavis Anguiano

Loan Administrator

As Loan Administrator for Enact Partners, Mavis Anguiano manages new loan requests and newly funded loans. She handles all phases of loan administration, from initial inquiry to closing and boarding new loans, along with reviewing and tracking all construction loan draw requests.

Mavis brings more than 10 years of experience in contract and property management, working with local municipalities managing real property and tenant relations.

Previously, Mavis served eight years in the United States Marine Corps. This experience, teamed with an education in accounting, has created an integral team player who has an eye for detail and enthusiasm to embrace challenges.

A transplant from Arizona, she now lives in beautiful Oceanside with her husband, children, and their spoiled dachshunds.