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.
Purpose, Vision, Core Values
To 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.
- 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
I work hard and…
- I have good work/life balance and flexibility (We have autonomy and support to take care of families, pets, health, etc.).
- I’m learning and growing (We have the opportunity to grow professionally and personally).
- My contributions are meaningful and appreciated (We are treated with dignity and respect and have the autonomy to make decisions).
- I participate financially in the success of the company (We all play an important role in helping to grow the company).
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.
What sets (Enact Partners) apart is their unique combination of commitment, integrity, and a genuine passion for people to succeed. 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 them 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. Chris and Mavis 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.