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March 15, 2022

Revolving Construction Loans: Rolling Out a New Product

Enact Partners recently unveiled a brand-new product for residential subdivision construction projects: revolving construction loans. Normally, loans for large subdivisions are split into phases. The Fund’s recent 63-unit Merced project is a good example. We funded six separate loans to finance construction of about 10 homes each. The builder constructed 10 spec homes at a […]

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February 15, 2022

Self-Directed IRAs: Know the Difference

One option for investing with Enact Partners is through a Self-Directed IRA (SDIRA). When most people hear the term Self-Directed IRA, they think of a Charles Schwab account where individual investors can go online and trade stocks, bonds, mutual funds, and exchange-traded funds with the click of a mouse. A Self-Directed IRA is a type […]

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December 14, 2021

Higher Return with Lower Risk: Why Investing in Debt Beats REITs

Conventional real estate wisdom states that the lender (debt) has a low risk and receives a low return, while the investor (equity) has a higher risk and therefore receives a higher return, or at least the chance to make a higher return. But when it comes to passive investing, that is not always the case. […]

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November 16, 2021

Loan-To-Value: A Simple Equation with Complicated Implications

Loan-to-Value (LTV) is a private lender’s most important metric when deciding if a loan is safe or not. What does it mean, why is it important, and what is Enact Partners’ philosophy? What Does LTV mean? Loan-to-Value is calculated by taking the loan amount divided by the collateral value. The result is a percentage that […]

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October 12, 2021

In-Person Site Visits Are Crucial: You Can’t Judge a Book by Its Cover

Lending is a two-way street. Enact Partners “sells” money to borrowers, but it is not a typical sales transaction. A car salesman will push a car to anyone with a pulse and a credit score, and he doesn’t care what they do with the car after the papers are signed. In lending, we are very […]

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August 10, 2021

Building Wealth by Building Homes: Why Are We Comfortable with Construction Lending, You Ask?

Most lenders are afraid of land and construction loans, and for good reason. Risks include entitlement risk, cost overruns, schedule delays, mechanics liens, changes in market conditions, and lease-up/sales risk. However, with deep experience in development, construction, and construction lending, we understand the process and see it as an opportunity. How Does Enact Partners Mitigate […]

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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
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Enact Partners

2546 Gateway Road
Carlsbad, CA 92009