Why THE GUYS
100% Private Capital: Our loans are funded by our own capital and our investors’ (friends and family), we are not loan brokers, we do not work for wall street.
Fast Underwriting: When you speak with us you’re speaking with a decision maker. There is no underwriting committee, appraisal committee, etc. We control the capital, we decide what we lend on.
Streamlined Process: We do not do formal appraisals or draw inspections, and have a streamlined process. We typically close loans within 3 days for existing clients, and have closed loans same-day.
Transparent LOAN TERMS
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Who we are
Zach Richards
has been a private lender since 2020. Zach has a background in software development and finance. He graduated from Worcester Polytechnic Institute in 2016 with a degree in Computer Science and a minor in Business, and later earned his MBA from the University of New Hampshire, with a specialization in Finance.
After five years as a software engineer, Zach transitioned to Product Management. During his time in software, he led a team in developing a Business Process Management solution.
overseeing engineers from the United States, India, and Poland. Always wanting to have his own business, Zach ventured into private lending, originating loans of various sizes and developing systems to manage the loan portfolio efficiently. He also provided feedback on a friend’s private lending book, drawing on his experience in the field. He started lending his own capital, but after a few loans with his own money, friends and family became interested in participating in private lending, and his business grew from there.
Outside of work, he and his wife, Ella, volunteer with Guiding Eyes for the Blind, raising and training seeing-eye dog puppies. During his downtime, Zach enjoys outdoor activities like hiking and skiing, as well as working on his rural New Hampshire property. He also offers real estate development consulting services, focusing on analysis and underwriting for commercial buildings and ground-up developments. Zach is also an elected member of the Planning Board of his small town in New Hampshire.
Mike Seidl
has been a private money lender since 2017. When he started partnering with and lending his personal capital on projects to experienced residential fix and flip real estate operators. In 2021 Mike was approached by a good friend, and fellow business owner, about deploying his money for him as he was looking for a safe reliable return on his capital. Since then the company has placed investor capital in loans as small as $15,000 and large as $2,400,000.
Mike’s first job after studying economics at New York University was at a residential facility for sexually and physically abused kids. He has also managed a group home for adults with Intellectual Disabilities. As well as serving as a mental health worker at a psychiatric hospital. This experience helped him gain a good understanding of human behavior. That in turn served to help him to start, with a partner, grow and build his first company providing medical alert systems. Which they sold to a public company after 10 years.
After 5 years off, Mike started his second business , in the construction industry, with a focus on property damage repair. This company was sold in 2017 after being built into one that completed 300 +/- jobs per year. Mike’s end goal is to start and self fund a nonprofit, focused on kids who “age out” of foster care and government facilities. With an emphasis on experienced based training in mind set and how the brain works both physically and psychologically. As well as hands on training in finance, banking, nutrition, exercise and entrepreneurship.
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