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Downtown Salt Lake City against the snow-covered Wasatch RangeA private terrace above Central Park, the Manhattan skyline running along the far sideA skier cutting through deep powder in the Wasatch backcountryA furnished terrace and lit swimming pool at a hillside house, under a violet sunset

Private credit · Specialty finance

Flexible capital. Fixed principles.

Photograph © Compass · virtually staged

$750M+Deployed in five years
$1–20MPer transaction
2 weeksTime to close, up to $5M

01 — What we do

Creative funding that finds a way

OKOA drills down to deal essentials, structures unique solutions, and closes promptly. We embrace challenging situations traditional lenders avoid including the following:

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Short Timeframes
01

Short Timeframes

Transparent communication re interest level, compressed due diligence timeline, rapid deal structuring and papering, ability to fund quickly

Liquidity Issues
02

Liquidity Issues

Short-term cashflow issues, illiquid assets, refinancing, personal assets, restricted equity, long-term contracts, short-term uncertainty

Volatility & Change
03

Volatility & Change

High growth, business or market disruption, ownership transitions, acquisitions, strategic repositionings, org change, restructurings

States we operate in

Where we have lent, where we are ready to, and the three states we have not reached yet.

AL AK AZ AR CA CO DC FL GA HI ID IL IN IA KS KY LA ME MI MN MS MO MT NE NV NJ NM NY NC OH OK OR PA SC TN TX UT VA WA WI WY Hawaii Alaska Puerto Rico
  • Where we have lent — 21 states, DC and Puerto Rico
  • Ready to lend today — 47 states and DC
  • Not lending here yet — 3 states

02 — Areas of focus

Capital across the stack

With an emphasis on real estate-related credit opportunities, OKOA has flexibility to structure and fund at various points of the capital stack (incl. equity) across multiple industries, situations and locations.

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Real Estate — representative asset

01

Real Estate

Bridge loans, preferred equity and note purchases for home builders, developers and real estate professionals.

Lending Parameters
Size$1-20 millionRatePrime + 3–7%Origination1–3 pointsLTVup to 75%LTCup to 90%
Structures
Bridge Loans, Preferred Equity, Note Purchases
Use of Funds
Condotel, Fix & Flip, Leaseholds, Development and Construction, Purchase and Refi, Sale and Leaseback, Liquidity, DSCR

Loan Programs

  1. 01Fix & Flippurchase and rehab, ARV-based
  2. 02Multifamily Bridgevalue-add, stabilization, recap
  3. 03Horizontal Constructionland acquisition, site work, utilities and roads
  4. 04Vertical Constructionresidential, multifamily
  5. 05Commercial Bridgeretail, mixed-use, office, industrial
  6. 06Commercial Vertical Constructionground-up commercial
  7. 07Note Purchaseperforming and sub-performing notes
  8. 08Preferred Equitygap capital, flexible structure
Small to Medium Enterprise — representative asset

02

Small to Medium Enterprise

Flexible credit for growing companies — from working capital to acquisitions.

Transaction size
$1-10 million
Structures
Bridge Loans, Leases, Revenue-Based Investments, Growth Equity
Use of funds
M&A, growth, people & operations, PP&E, working capital
Special Situations — representative asset

03

Special Situations

Creative capital for situations that do not fit a standard loan.

Transaction size
$1-10 million
Structures
Varies
Use of funds
Founder liquidity, restructurings, personal assets, business continuity, operational disruption, unique assets, project finance

03 — Selected investments

Where the capital went

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Lux I
01Multi-state

Lux I

Luxury residences and land across Hawaii, Puerto Rico, Utah and Idaho backed this $20 million bridge loan — one facility that unlocked liquidity from an $88 million portfolio without selling a single property.

The English Hotel
02Las Vegas, NV

The English Hotel

In the heart of Las Vegas' downtown district, a new Marriott Tribute Portfolio boutique hotel needed its build carried to the finish line. OKOA's $14 million in construction financing took it through to a finished, open hotel.

The Ascent Hotel
03Park City, UT

The Ascent Hotel

Ski-in, ski-out at the Canyons Village in Park City Mountain Resort. OKOA funded the build of this modern luxury hotel with a $30 million senior construction loan, holding first position on the property.

Red Ledges
04Heber City, UT

Red Ledges

For a custom home in the Red Ledges golf community of Heber City, OKOA structured a $2.27 million construction loan with interest and construction reserves set at closing — so the build could run without payment pressure.

E-Commerce Company
05

E-Commerce Company

Purchase order financing to support the growth of a footwear-focused E-commerce company. OKOA's facility paid suppliers up front, so the brand could accept orders beyond its own cash and turn demand into shipped product.

Government Contractor
06Global

Government Contractor

Not every deal is real estate. OKOA extended corporate working capital to a logistics, supply and procurement contractor serving government customers across the Middle East, Africa and beyond — credit secured by the business itself.

Legacy Arena
07Phoenix, AZ

Legacy Arena

Note purchase on a 170k+ sf amateur sports facility with adjoining hotel under development in Phoenix, AZ. OKOA stepped in as lender by buying the existing note, keeping the project financed through its build-out.

Mapleton Village
08Utah

Mapleton Village

Behind this loan sits Mapleton Village, a single-family community in Mapleton, Utah. A $3 million bridge, cross-collateralized across residential properties elsewhere in the state, gave its developer fast liquidity while keeping every asset in hand.

200 Central Park South
09New York, NY

200 Central Park South

Fix & Flip loan on a two-bedroom residence in a full-service co-op apartment building located next to Central Park. OKOA funded purchase and renovation together, letting the buyer move at cash speed in Manhattan.

04 — Our partners

Built alongside the people doing the building

We partner with the brightest founders & operators, real estate developers, and co-investors to fuel strategy with creative capital.

“OKOA sees opportunity, understands risks, and works jointly towards value expansion. They provided creative solutions to our complex financial situation enabling us to grow and thrive as a business.”
Matt Mehr · Hawx Services

05 — About

A team of problem solvers

We're a group of seasoned investors, operators, strategists, and founders that enjoy the creativity and process of building companies.

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Jason Meyer

Co-founder

Investment Selection, Due Diligence, Capital Formation

Ty Corbridge

Co-founder

Origination, Underwriting, Real Estate

Brad Heitmann

Principal

Origination, Portfolio Management, Business Strategy

Zach Hoffman

Senior Associate

Deal Origination, Investment Operations, Investor Relations

Ziaul Karim

Associate

Due Diligence, Deal Processing, AI & Emerging Technologies

Ben Worsley

Associate

Financial Modeling, Portfolio Monitoring, Underwriting

06 — Questions

Frequently asked questions

What types of investments does OKOA Capital make?

We make credit, equity and other specialty finance investments utilizing a variety of structures including, but not limited to: Asset-based loans collateralized by real estate or other assets ($1-20 million); Corporate loans to Small-To-Medium Enterprises based on cash flow and debt coverage ($1-10 million); Revenue-based investments structured as a form of debt but with a repayment schema based on a company's revenues ($500k-$7 million); Preferred equity investments ($1-5 million) in growing businesses

Which industries do you invest in?

Although we specialize in Real Estate and other asset-based investments, we are industry agnostic. Examples of the types of businesses we have invested in or founded ourselves include: E-commerce, Sales & Marketing, Consumer Products, Enterprise Software, Natural Resources, Alternative Energy, Telecom, Financial Services and many others.

Where do you invest?

We invest primarily in the western United States because of proximity, but we regularly assess opportunities throughout the United States and Canada. For select deals where risk can be managed and strong partners are involved, we can look beyond the United States and Canada.

What stage of business or projects do you invest in?

For real estate, we can invest from the moment land is entitled through horizontal and vertical development and on to the acquisition of commercial or residential properties. For other project-based deals, we can invest on a greenfield basis so long as permitting, construction costs and back-end contracts or other sources of cash flow are verifiable. For Small-To-Medium Enterprises (SME), we invest in cash flow positive businesses or other businesses with assets or securable revenue streams sufficient to mitigate risk. We are not venture investors, but we have an eye toward growth subject to our risk mitigation parameters.

What makes you different from other lenders or private equity groups?

Speed-To-Close: For deals that meet our parameter, we can close very quickly (in as little as two weeks) for amounts up to $5 million. Flexible & Creative: Because we are not subject to the constraints of a traditional fund (e.g. only being able to invest in specific industries, locations utilizing a narrow range of investment structures), we have the ability to customize the financing to the opportunity. We've Been There: Like you, we're entrepreneurs, operators and company founders. We know what it's like to build something from nothing. We hope some of this perspective will be of value to our clients.

07 — Contact

See where we can go together

Looking for new capital solutions for your business? Let's put our heads together.

Send us a note

1441 West Ute Blvd, Suite 130, Park City, UT 84098