History

Founded in 2008, Benworth Capital Partners, LLC (“Benworth”) was established to meet borrowers’ needs for fair and flexible, alternative and traditional lending sources when institutional bank financing is not appropriate or available.

 

Company Description

Benworth is Florida’s top private provider of alternative short-term, first-position residential and commercial mortgages. Credit is extended to borrowers with demonstrable equity, savings and the ability to repay loan commitments. The underwriting approach deployed ensures that property and transaction types are suitable for short-term financing. While private lending is the company’s core business, Benworth has diversified into ancillary lines of business not only to complement a successful business model, but also to generate significant cash flow and build long-term value from real estate assets.

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Private Lending Investment Strategy

Benworth executes a strategy that is not driven by market trends or short-term profit opportunities. A disciplined, careful approach to each loan mitigates risk of borrower delinquency and loan default.

Benworth is not – and has never been – a subprime mortgage lender

Benworth does not extend credit nor participate in land loans, second mortgages, mezzanine financing,
re-financing of primary residences, or condo loans that are not Federal Housing Authority- (FHA) approved

Benworth develops an exit strategy before extending any loan, and works with borrowers to help identify a longer term financing solution

Benworth proactively provides borrowers with appropriate credit counseling to help clients improve credit scores

Benworth escrows all loans for taxes and insurance

Benworth services all loans that are extended to borrowers in order to closely monitor asset quality

 

Market Opportunity For Private Residential Loans

Despite volatile economic conditions, Florida continues to be an attractive market for residential and commercial real estate. The South Florida market is home to more than 30% of all Floridians, all with the need for a place to call home, to work and to live. Average home values continue to surpass national and state levels and in some neighborhoods, home values are among the most expensive in the nation.*

With interest rates at historic lows and a surplus of real property on the market at attractive prices, the current environment is ideal for first-time homebuyers and investors to acquire real estate. To leverage this opportunity, buyers need a financial solution, like private loans, to avoid competitive bids, secure a property or lock in an attractive price. A private loan is also a solution for borrowers seeking bridge financing due to their personal situation, including the sale of another property.

The financial crisis of the Great Recession has made the availability of funds from traditional lending sources limited and the process longer. Additionally, personal financial hardships have temporarily tarnished what would otherwise be impeccable credit scores. Even the most qualified buyers with steady sources of loan repayment funds are unable to secure funds. These qualified buyers are seeking private loans.

Investor Profile

Benworth’s disciplined approach to private lending and real estate assets makes investment participation well-suited for those who seek an alternative investment opportunity in today’s ultralow interest rate environment and volatile stock market conditions.

  • Individual investors
  • Wealthy families and family offices
  • Fund managers
  • College and institutional endowments
  • Sovereign-wealth funds
  • Pension funds

International Investor Opportunities

We offer exceptional opportunities for international investors who seek to enter Florida’s real estate markets by investing in a private, first-position loan portfolio that reflects solid growth, favorable yields and strong asset quality. We tailor investment strategies to meet the specific goals and objectives of our investors.

For more information about international investor opportunities, please contact Bernie Navarro, President of Benworth Capital:

bnavarro@BenworthCapital.com

305-445-5223 X204

Allocating a Self-Directed IRA to a Real Estate Investment

Benworth Capital makes it possible to invest in private loans through a self-directed IRA. The advantage is benefiting the high yield of a Benworth Private Loan with tax-free earnings.**

Learn more by downloading Seizing Control of Your Retirement Plan by Investing in Mortgages.

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* “2010 U.S. Census Quick Facts.” Last modified 2010, www.census.gov
** Tax-free earnings depend on a number of factors, including the age when funds are withdrawn from the IRA and length of the investment. Consult your tax advisor for details and recommendations based on your financial situation.
Cautionary Statements And Risk Factors That May Affect Future Results
Any statements made herein about future operating results or other future events are forward-looking statements under the Safe Harbor Provisions of the Private Securities Litigation Reform Act of 1995 as amended. These forward-looking statements may include, for example, statements regarding anticipated future financial and operating performance and results, including estimates for growth. Actual results may differ materially from such forward-looking statements.
Benworth Capital Partners, LLC is a licensed mortgage lender.