We lend to real businesses
Property developers, commodity traders, agri-processors and cash-flow businesses that need working capital faster than banks provide it.
EPOCH: 1794216711783CAPITAL DEPLOYED: $1.2MAVG LTV: 10.0%
7D COLLECTION 18.0%
[ ASSET-BACKED PRIVATE CREDIT ]
PRIVATE CREDIT,BACKED BYREAL ASSETS.REPAID WEEKLY.
Gotham lends to real businesses in real estate, commodities, agriculture and trade. Every loan is secured by collateral and repaid weekly from revenue. Investors fund those loans through sector pools and receive their share of the interest every week, with 12 active facilities on the book today.
LOAN_BOOK // LIVE
WEEKLY REPAYMENTSAVG LTV 10.0%
7D RECEIVED $1M
COLLECTION
18%
DEPLOYED
$1.2M
SECURED
100%
// 01. Who we are
A private credit firm
built on the real economy.
Good businesses are often held back by slow, rigid bank credit. Gotham fills that gap: we lend against assets we can see and value, collect repayments weekly, and pass the interest to the investors whose capital made the loan possible.
Every loan is secured
Each facility is backed by collateral we can value and enforce: property, inventory, equipment, offtake contracts or receivables.
Repaid weekly, shared weekly
Borrowers repay every week from revenue. Interest received flows through a published waterfall to the investors who funded the pool.
// 02. What we finance
Four sectors. Four pools.
Each pool holds loans from one sector, so investors choose the exposure they understand.
POOL // 01
MODERATE RISKOPEN
Real Estate Finance
Acquisition, development, and bridge financing secured on property.
- TARGET YIELD
- 11–14%
- TENOR
- 18 MO
- LOCK-UP
- 180 DAYS
- REPAYMENT
- WEEKLY
POOL // 02
ELEVATED RISKOPEN
Commodities Trading
Financing for essential goods and global trade routes, secured on inventory and receivables.
- TARGET YIELD
- 13–17%
- TENOR
- 9 MO
- LOCK-UP
- 90 DAYS
- REPAYMENT
- WEEKLY
POOL // 03
ELEVATED RISKOPEN
Agriculture Finance
Capital for production, processing, and supply chains, secured on equipment and offtake contracts.
- TARGET YIELD
- 12–16%
- TENOR
- 12 MO
- LOCK-UP
- 120 DAYS
- REPAYMENT
- WEEKLY
POOL // 04
HIGH RISKOPEN
High-Velocity Business Finance
Working capital for cash-flow-driven ventures, repaid weekly from revenue with micro-equity warrants.
- TARGET YIELD
- 15–22%
- TENOR
- 6 MO
- LOCK-UP
- 60 DAYS
- REPAYMENT
- WEEKLY
// 03. How we lend
From first call to final repayment.
SCROLL TO ADVANCE →
STAGE // 01BEFORE THE LOAN
01
Origination
We source borrowers through trade networks, partners and direct relationships, and decline anything we can't secure or monitor.
FOCUS: CASH-FLOW BUSINESSES
STAGE // 02BEFORE THE LOAN
02
Underwriting
Every deal is tested for repayment capacity under a revenue drop, collateral is independently valued, and the loan-to-value is capped before terms are offered.
STRESS TEST: −20% REVENUE
STAGE // 03BEFORE THE LOAN
03
Structuring
Facilities are sized so weekly repayments stay a modest share of the borrower's revenue, with collateral, covenants and clear default terms in a signed agreement.
REPAYMENT CADENCE: WEEKLY
STAGE // 04DURING THE LOAN
04
Weekly monitoring
Repayments are recorded every week. Missed payments trigger early contact, restructuring where it protects capital, and enforcement when it doesn't.
LTV TRACKED CONTINUOUSLY
STAGE // 05DURING THE LOAN
05
Distribution
Interest received runs through the waterfall: fees, then the investor share paid pro-rata to every allocation in that pool, with a statement for each run.
AUDIT TRAIL: IMMUTABLE
// 04. Risk & transparency
Protect the capital.
Show the work.
Figures reported by Gotham's credit team as of 1 Nov 2026.
BOOK // 04A
Capital deployed
$1.20M
12 ACTIVE FACILITIES
COLLECTION // 04B
Weekly repayments collected
18.0%
$1M RECEIVED IN 7 DAYS
COLLATERAL // 04C
Average loan-to-value
10.0%
EVERY LOAN SECURED BY COLLATERAL
CONTROL // 01
Collateral on every loan
No unsecured lending. Collateral is revalued when markets move and every adjustment is logged.
CONTROL // 02
LTV limits
Loan-to-value is watched against thresholds; facilities above them are flagged on our risk dashboard.
CONTROL // 03
Sector pools
Four separate pools let you choose your exposure instead of taking a blind share of everything.
CONTROL // 04
Two-person rule
No distribution or bulk payment executes without a second administrator's approval.
CONTROL // 05
Tamper-evident records
Every ledger change is hash-chained and periodically anchored to IPFS, so records can be independently verified.
CONTROL // 06
Plain disclosure
Targets are ranges, not promises. Restructured and defaulted loans are shown to the investors in that pool.
Capital is at risk and target yields are not guaranteed. Read the full risk & lock-up disclosures.
// 05. Investing with Gotham
Put your capital to work in the real economy.
- → Minimum allocation from $500.00
- → Lock-ups of 60–180 days per allocation
- → Weekly pro-rata distributions
- → Deposits & withdrawals in USDC/USDT
[ ✓ KYC ✓ IDENTITY ] DUAL VERIFIED
- STEP // 01
Create your account
Sign up with your email and phone number and verify both.
- STEP // 02
Verify your identity
Upload an ID, proof of address and a selfie. Our compliance team reviews them, usually within 1–2 business days.
- STEP // 03
Fund your wallet
Deposit USDC or USDT to your unique address on a supported network.
- STEP // 04
Allocate and track
Choose a pool, review its terms and lock-up, e-sign, then follow every weekly repayment and distribution from your dashboard.