Give your clients direct access to real‑estate‑backed income.
A secured note offering built for the way RIAs actually work. Monthly interest. First‑lien Virginia real estate. 1099‑INT by January 31. Zero fees to your clients.
Built for Your Practice
1099-INT by January 31
No K-1s. No partnership returns. No chasing documents through October. Your clients get a single 1099-INT delivered through Lendr before tax season starts.
One rate for the whole firm
Total capital across every client account at your firm determines the rate tier. Aggregate once — every client benefits from the collective relationship.
Zero fees to your clients
No management fee. No performance fee. No platform markup. The fund earns the spread between loan income and investor interest. Every basis point of the stated rate flows to your clients.
Streamlined onboarding
Lendr handles accredited-investor verification, subscription processing, monthly statements, and tax reporting. One portal for your entire book. No paper.
Where It Fits
Two ways this works in a client portfolio — depending on what you're solving for.
For income-heavy portfolios
If your clients hold short-to-intermediate corporate bonds or CDs for income, this offers a structurally different source of yield. Every loan is secured by a first-lien deed of trust on Virginia real estate, underwritten at no more than 70% of the after-repair value. Loan terms of 3 to 9 months mean capital isn't locked into any single property for long — two layers of protection that don't depend on corporate earnings or credit ratings.
For portfolios with existing private credit
If your clients already allocate to private credit through BDCs, interval funds, or direct lending vehicles, here's what's different. Asset-backed first-lien real estate — not corporate EBITDA-dependent loans. Single-market operator-led origination — not national syndication. Zero fees to investors — no management fee, no platform markup layered on top. And 1099-INT reporting — no K-1 complexity.
| Asset | Yield | Duration |
|---|---|---|
| HC Income Fund | 8.5–10% | 6mo |
| HY Bonds | 6.75% | 4yr |
| IG Corporate | 5% | 6yr |
| 2-yr Treasury | 4.5% | 2yr |
| CDs | 4.8% | 1yr |
| Short-Duration Private Credit | 7.5% | 1.5yr |
Higher yield, shorter effective duration, real-asset collateral. HC Income Fund yield is targeted, not guaranteed. Comparison yields are approximate market rates as of April 2026. Sources: Federal Reserve, ICE BofA indices.
Fund Facts
| Security Type | Secured Promissory Notes |
| Regulation | 506(c) |
| Targeted Return | 8.5% – 10% (tiered by investment) |
| Minimum Investment | $100,000 |
| Distributions | Monthly |
| Minimum Note Term | 1 year |
| Redemption (after year 1) | Quarterly, 60-day notice |
| Management Fees | 0% |
| Investor Fees | 0% |
| Tax Reporting | 1099-INT |
| Max Loan-to-ARV | 70% |
| Loan Duration | 3–9 months |
| RIA Aggregation | Yes — firm-wide capital determines tier |
Service Providers
| Legal Counsel | Weingold Law PLLC |
| Accounting / Tax | Accounting Properties LLC |
| Investor Portal / Verification | Lendr |
| Banking | The Freedom Bank of Virginia |
Interest Rate Schedule
Rates are determined by total invested capital. RIA firms may aggregate client accounts for tier qualification.
| Investment | Annual Rate |
|---|---|
| $100,000 | 8.5% |
| $250,000 | 9.0% |
| $500,000 | 9.5% |
| $1,000,000+ | 10.0% |
Rate aggregation: Total capital placed across all client accounts at your firm determines every client's tier. The fund manager reserves the right to offer rates above the applicable minimum at sole discretion.
Track Record
Private Lending Performance — Since Inception.
| Metric | Value |
|---|---|
| Total Loans Originated | 30+ |
| Total Capital Deployed | $4M+ |
| Principal Losses | $0 |
| Weighted Average ARLTV | ≤ 70% |
| Average Loan Term | 3–9 months |
| GP Co-Investment | Yes — meaningful personal capital at risk |
Will Harvey has completed 13 house flips with $881K in total profit before building Harvey Capital's lending operation. He's been on both sides of the table — as a borrower and a lender — and underwrites every loan with an operator's perspective on what can actually go wrong in a renovation project. He personally co-invests in the fund and is available directly to every advisor. No investor relations desk, no intermediaries.
127 4th St, Madison Heights — funded by Harvey Capital
Underwriting Discipline
Collateral.
First-lien deed of trust on every loan. Maximum 70% of after-repair value.
Market.
Richmond, Virginia MSA — we're near every property we lend on. Single-market expertise, not national spread.
Cash-pay.
Interest is collected monthly from borrowers. No PIK, no payment deferrals, no interest accrual games.
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Schedule a CallThis page is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Securities offered through Harvey Capital Income Fund LLC are available only to accredited investors under SEC Regulation D, Rule 506(c). Targeted returns are not guaranteed. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Prospective investors should review the offering documents and consult with their own legal, tax, and financial advisors before making any investment decision.