How Gotham works.
We lend to real businesses against real assets, collect repayments weekly, and pay investors their share of the interest every week.
01 — We originate secured loans
Our team sources established businesses in real estate, commodities, agriculture and trade that need working capital. Every facility is secured by collateral we can value and enforce: property, inventory, equipment, offtake contracts or receivables.
02 — Underwriting and structuring
Each deal is tested for repayment capacity, including a stress test against a 20% drop in revenue. Collateral is independently valued and the loan-to-value is capped. Facilities are sized so weekly repayments stay a modest share of the borrower's revenue.
03 — Loans sit in sector pools
Every loan is placed in one of four pools: Real Estate, Commodities, Agriculture or Business. Each pool has its own target yield range, tenor, lock-up and risk level, so investors choose the exposure they understand.
04 — Investors allocate
Investors complete identity verification before they can deposit in USDC or USDT. Funds are allocated to a pool after reviewing its terms, accepting the lock-up and risk disclosure, and e-signing a subscription agreement.
05 — Weekly distributions
Interest received each week flows through a published waterfall: management fee, operating expenses, the investor share (paid pro-rata to allocations in that pool) and the platform's carried interest. Each run is previewed and approved by a second administrator before it executes, and every ledger change is recorded in a hash-chained audit trail anchored to IPFS.