Turn debt servicing into equity building.
Every dollar you pay in interest builds the bank's equity, not yours. With a savings club, every contribution goes toward owning the asset. Access capital for your deals while building equity on the side. At the end, you own it outright.
- Monthly dues only
- Flat fee
- No balloon payment
Why traditional financing falls short here.
With a traditional credit line or interest-only loan, 100% of your payments go to the lender as the cost of borrowing. You build zero equity through those payments, and when the term ends you owe the same principal you started with. A savings club gives you access to capital like a credit line, but every payment builds equity in the asset. No interest accrual. No balloon payments. At the end of the term, you own the property outright.
- Interest charges that accrue daily (pure cost, zero equity).
- The perpetual refinance cycle: borrow, pay interest, refinance, repeat.
- Balloon payments that force your hand at the worst time.
- Front-loaded amortization that delays equity buildup.
- Rate resets on maturing loans that destroy cash flow.
- Strict DSCR requirements that kill marginal deals.
- Personal guarantees on every deal.
- Months of underwriting and committee approvals.
THE EQUITY ENGINE
A credit line that builds equity instead of destroying it.
With an interest-only loan you borrow $500K, pay $3,750/month for 3 years, and build $0 in equity through those payments. You still owe exactly $500K, then a balloon payment comes due and the cycle repeats. With a savings club, every contribution goes toward owning the asset, not toward the lender's profit.
- Every payment builds equity, not just the bank's profit.
- Credit Voucher for deal-making while you keep building equity.
- No balloon payment. Own it outright at the end, or cash out.
A DEAL, START TO FINISH
How a CRE savings club works.
- 1
You join a CRE savings club.
Pick the $400K-$600K commercial property club. Monthly contribution: $1,806. Monthly dues only. No application fee. All credit profiles accepted.
- 2
Your Savings Score builds monthly.
Every on-time contribution, advance payment, and engagement activity increases your ranking. Your money sits in an irrevocable trust at US Bank (FDIC-insured), managed by Jackson Hole Trust Company.
- 3
You receive your Purchasing Voucher.
When your Savings Score reaches the top of the ranking, you receive a $500,000 purchasing voucher. This is not a loan. It is purchasing power backed by the club's common fund.
- 4
You buy the property.
Use the voucher to purchase your commercial property. The title goes in your name. You own it. You continue monthly contributions to complete the club term.
- 5
You own it outright.
At the end of the 30-year term, the property is fully paid. No balloon payment. No refinance. No rate reset. Total paid: $650,000 (flat fee). Traditional financing total: $1,068,940 (including $125K down payment).
THE STRUCTURAL ADVANTAGES
Every feature improves your deal economics.
Equity with every payment
Every payment builds equity, not just the bank's profit.
Lower debt service
Lower monthly debt service on every deal.
Higher cash-on-cash
Higher cash-on-cash returns with the same NOI.
Credit Voucher for deals
Deploy the Credit Voucher for deal-making while building equity.
Flat fee, known upfront
Flat fee structure with total cost known from day one.
No DTI impact
Does not affect your debt-to-income ratio.
Deploy across more deals
Monthly dues only, so you can deploy capital across more deals.
No balloon, ever
No balloon payment. No refinance required. Ever.
THE MATH, SIDE-BY-SIDE
A $500,000 commercial property, two ways to pay.
| Traditional financing | Savings.Club | |
|---|---|---|
| Interest / Fee | 7.5% APR (avg.) accruing daily | Flat fee (one-time, never accrues) |
| Total Out of Pocket | $1,068,940 (incl. $125K down) | $650,000 (save $418,940) |
| Equity Built Through Payments | Minimal (front-loaded) or $0 (IO) | Every payment builds equity |
| Monthly Payment | $2,622/mo (7.5% APR) | $1,806/mo (flat fee) |
| Down Payment | 20-30% required ($100K-$150K) | Monthly dues only |
| Balloon Payment | Yes (IO loans) or refinance required | No. Own it outright at end. |
| Credit Check / DSCR | Yes (extensive underwriting) | No |
| Personal Guarantee | Usually required | Not required |
| Flexibility if Cash Flow Drops | Default / foreclosure risk | Freeze, half-pay, or transfer (savings phase) |
| Funds Protected by Trust | No | Yes (FDIC-insured) |
Based on a $500K property with 25% down at 7.5% APR over 30 years vs. a flat-fee Savings.Club obligation. Both paths end with full ownership at Year 30. Source: CBRE Cap Rate Survey, Federal Reserve SLOOS, Bankrate Q4 2024.
SAVINGS BY CREDIT TIER
The flat fee stays flat. The bank's rate does not.
| Traditional monthly | Savings.Club monthly | |
|---|---|---|
| Weak Credit / High Risk | $3,430/mo, $1,359,898 total | $1,806/mo, save $709,898 |
| Fair Credit / Moderate Risk | $2,883/mo, $1,163,033 total | $1,806/mo, save $513,033 |
| Good Credit / Standard | $2,622/mo, $1,068,940 total | $1,806/mo, save $418,940 |
| Strong Credit / Low Risk | $2,370/mo, $978,292 total | $1,806/mo, save $328,292 |
| Excellent Credit / Institutional | $2,129/mo, $891,515 total | $1,806/mo, save $241,515 |
Illustrative: $500K CRE property, 30-year term. Savings.Club contribution is a flat $1,806/mo across every credit tier ($650,000 total). Traditional monthly and total include a $125K down payment and vary by borrower risk profile.
CAP RATE SENSITIVITY
Same NOI, higher cash-on-cash.
| Traditional cash-on-cash | Savings.Club cash-on-cash | |
|---|---|---|
| 6% cap ($30,000 NOI) | -1.2% | 6.7% (+7.9 pts) |
| 7% cap ($35,000 NOI) | 2.8% | 10.7% (+7.9 pts) |
| 8% cap ($40,000 NOI) | 6.8% | 14.7% (+7.9 pts) |
| 9% cap ($45,000 NOI) | 10.8% | 18.7% (+7.9 pts) |
| 10% cap ($50,000 NOI) | 14.8% | 22.7% (+7.9 pts) |
Lower monthly debt service means higher cash-on-cash returns with the same NOI. A consistent +7.9 point advantage across the cap-rate range on a $500K property.
WHO USES THIS
Built for how CRE investors actually operate.
Property Acquirers
Businesses buying office space, warehouses, retail locations, or medical facilities for their own use. Predictable payments, no rate surprises, own it at the end.
Portfolio Builders
Investors building a debt-free portfolio over time. Move beyond the perpetual refinance cycle. Every payment builds equity instead of servicing someone else's profit.
Deal Makers
Active investors who want access to capital for acquisitions while building equity on the side. Use the Credit Voucher for deals. Keep the equity.
Refinance Graduates
Investors tired of balloon payments, rate resets, and the constant pressure to refinance. The savings club has no balloon, no rate changes, no refinance required.
Diversification Seekers
Sophisticated investors who want to add a non-traditional financing source to their capital stack. Reduce dependence on any single lender or loan product.
Agricultural Operators
Commercial farmers, ranchers, and ag businesses. Traditional ag lenders charge premium rates and demand 25-40% down. The savings club applies the same flat fee to all commercial assets.
SECURITY
Institutional-grade trust structure.
Every common fund contribution goes into a legally separate, irrevocable trust. Once deposited, Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
- Irrevocable trust: contributions are legally separated from Savings.Club.
- Jackson Hole Trust Company, an independent licensed fiduciary, executes all fund transactions.
- FDIC-insured at US Bank, with a member governing board auditing compliance.
ASSET CLASSES WE COVER
If it generates income or holds value, we can structure a club for it.
Office
Class A, B, C office space in any market.
Retail
Strip malls, NNN, anchored centers.
Warehouse
Distribution, logistics, flex space.
Multi-Family
5+ units, apartment complexes.
Mixed-Use
Retail + residential, office + retail.
Industrial
Manufacturing, processing, heavy industrial.
Self-Storage
Climate-controlled and standard facilities.
Farms & Ag Land
Commercial farms, orchards, ag operations.
Commercial Land
Development parcels, productive land.
Hospitality
Hotels, motels, resorts, B&Bs.
Medical
Medical offices, clinics, care facilities.
Vacation
Vacation rentals, resort properties.
THE TERM SHEET
What you are signing up for.
| Term | Detail | |
|---|---|---|
| Structure | Membership + voucher | Savings club membership with purchasing voucher |
| Fee Type | Flat fee | One-time flat fee (no compounding, no accrual) |
| Down Payment | None | Monthly dues only |
| Fund Protection | Trust + FDIC | Irrevocable trust, FDIC-insured bank, independent trustee |
| Flexibility | Savings phase | Freeze, half-pay, or transfer during savings phase |
| Exit Options | Guaranteed | 7-day satisfaction guarantee. Transfer or convert during savings phase |
| Personal Guarantee | None | Not required |
| Balloon Payment | None | None. Own outright at term end. |
Bring your lender's best term sheet. If your current lender can offer lower monthly debt service on the same property with monthly dues only, no balloon payment, no personal guarantee, and full ownership at the end, we will match it.
QUESTIONS
Common questions.
Office space, retail, warehouse, multi-family (5+ units), mixed-use, industrial, self-storage, commercial farms and agricultural land, development parcels, hospitality, medical facilities, and special purpose properties. If it generates income or holds productive value, we can structure a savings club for it.
Be first in line.
Join the waitlist and we'll email you the moment this club opens in your state.
Funds held in an irrevocable trust, FDIC-insured at US Bank.