Built on Discipline. Driven by Results.
CloudMoney was founded in St George, Utah in 2020 with a single conviction: that accredited investors deserve access to the same secured, yield-generating real estate instruments that institutional lenders have used for decades.
Why We Started
After years in commercial real estate lending, our founders saw a persistent gap in the market. High-net-worth individuals were being offered equity-heavy, illiquid real estate funds — or low-yield savings instruments — with little in between. Meanwhile, the trust deed market, long dominated by regional banks and private lenders, was generating consistent 10–12% annual returns secured by first-lien real property.
We built CloudMoney to bridge that gap. Our platform gives accredited investors direct access to carefully underwritten trust deed positions — with the transparency, documentation, and investor protections that institutional-grade lending demands.
Since our first origination in early 2020, we have funded over 120 trust deeds across Utah, Nevada, and Arizona, returning principal and interest on every matured position.
Six Years of Consistent Performance
How We Operate
Capital Preservation First
Every underwriting decision begins with one question: how do we protect investor principal? Conservative LTV ratios, first lien positions, and independent appraisals are non-negotiable on every deal.
Transparency Without Exception
Investors receive full loan documentation, monthly statements, and direct access to our team. We do not obscure fees, risks, or loan performance behind fund-level reporting.
Disciplined Origination
We decline more deals than we fund. Our underwriting team reviews borrower credit, property condition, market comparables, and exit strategy before any capital is committed.
The Team Behind CloudMoney
With 15 years of experience in commercial & residential real estate lending across the Intermountain West and global markets, Navin has personally underwritten more than $200 million in real estate debt.
Former portfolio manager at a private credit fund with a focus on non-bank real estate lending. Rachel oversees all origination, underwriting, and investor relations at CloudMoney.
Certified mortgage underwriter with 12 years of experience in residential and commercial trust deed analysis. David leads due diligence on every loan CloudMoney originates.
Ready to Invest with Confidence?
Review our current trust deed offerings or speak with our investor relations team.