Success Story
An experienced investor was under contract to acquire a long-established nursery business in California’s Imperial Valley. The seller, retiring after decades of ownership, required a quick close. The borrower had committed significant equity to the transaction but needed to secure the remaining financing within 30 days. Given the rural commercial asset type and short timeline, traditional lenders were not a fit.
Fidelis Private Fund provided a $300,000 first trust deed loan secured by the 20-acre nursery property. The borrower contributed $670,000 in cash toward the $970,000 purchase price, resulting in a conservative 31% loan-to-purchase ratio. The nursery includes a single-story commercial structure and benefits from a strategic location near the U.S.–Mexico border. The borrower will retain existing staff and management, ensuring continuity of operations through the transition.
The borrower plans to repay the loan through business-generated cash flow within 12 months or refinance with a conventional lender.
Value Added
Fidelis provided the speed and certainty of execution required for a time-sensitive acquisition. By underwriting the transaction based on strong equity, operational continuity, and a reliable borrower referral, Fidelis enabled a smooth closing and supported a generational business transition. This deal reflects Fidelis Private Fund’s ability to move quickly to meet the needs of entrepreneurial borrowers in niche asset classes.
Another transaction where Fidelis Private Fund is helping our clients achieve their financial goals.