Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees. They match investors and lenders seeking alternative fixed income opportunities to borrowers seeking alternative sources of financing for their real estate investment needs. Patch of Land originates, underwrites and services loans, offering these back to accredited investors through Crowdfunding exemptions of the JOBS Act and SEC regulations: Title II, Reg D 506(c). Patch of Land currently serves accredited, institutional and international investors.

Patch of Land is a peer-to-peer real estate crowdfunding online marketplace and hard money loan provider that connects real estate developers needing financing to lenders and real estate investors. Patch of Land focuses on 6–24 months real-estate first lien mortgage loans with borrower guarantees.

There is no annual fee for investors or borrowers. PoL takes between 1% and 2% of the interest distributions made by borrowers. PoL does not charge transaction fees or campaign success fees like many crowdfunding platforms do. They work much more like a regular loan marketplace and charge fees for property appraisal, closing costs and origination points that are already factored into each deal listed on the platform.

Fluctuations in the value of the assets that are the subject of any investment are to be expected. Additional risks exist due to a variety of factors, including, but not limited to, leverage, property operations, business risks, management and environmental liabilities. There is a potential for loss of part or ALL of the investment capital, and each investor should understand that all capital invested may be lost. Investors should only consider these investments if they have no need for liquidity and can bear the risk of losing their entire investment.