Service to Investor: PLN™ Program Overview
UBI Group’s Private Lender’s Network™ (PLN) connects individual investors, retirement accounts (IRAs), trusts, pension plans, LLCs, and corporations with secure, first-position trust deed investments. By joining the PLN, members act as private lenders, gaining access to carefully underwritten mortgage loan opportunities backed by residential and commercial real estate.
How It Works
- Secured Investments: Each loan is recorded directly on the note and deed of trust. Loans may be fractionally shared or wholly funded.
- Passive Opportunity: Evergreen Servicing, LLC manages loan servicing, payments, and compliance.
- Short-Term Loans: Typically 12–18 months with monthly interest-only payments.
- Rigorous Underwriting: Each loan is fully reviewed before funding.
- No Lender Fees: All fees are paid by the borrower.
General PLN Information
| Investment Opportunity | Frequent, loan-by-loan basis |
| Total PLN Raise | Capital raised as needed |
| Loan Servicing Company | UBI Group |
| Lender Qualifications | Open to all investors |
| Minimum Investment | None |
| Target Return | 10–12% annually |
| Interest Payments | Paid monthly |
| Minimum Term | Average ~10.5 months |
| Investment Type | First-lien, interest-only trust deed loans |
| Lending Territory | Nationwide |
| Typical Loan Term | 12–18 months |
| Tax Treatment | Ordinary income |
Returns & Income Structure
Lenders typically receive 10–12% annual returns. For example, a loan may carry 14% interest to the borrower, with 12% paid to the lender and 2% retained as servicing fees. All income to lenders is classified as interest income for tax purposes.
Contact us to learn more about PLN membership
Important Disclosures
Disclosure Statement: This is not an offer to sell or solicitation to buy securities in jurisdictions where prohibited. Not available to residents of New York, New Jersey, or where otherwise restricted.
U.S. Treasury Department Circular 230 Notice: Any tax-related content here is not intended or written to be used for avoiding IRS penalties or for promoting, marketing, or recommending transactions. UBI Group does not provide tax advice.