Who can Invest?

  • Only Accredited Investors are allowed to invest.

What is an Accredited Investor?


An Accredited Entity meets one of the following criteria:

  • A business, trust or other non-individual entity in which all the equity owners or grantors/settlors are accredited investors.
  • A bank, insurance company, pension fund, or other registered investment company with assets exceeding $5 million.
  • A corporation, partnership, or charitable organization with at least $5 million in assets.
  • An employee benefit plan, within the meaning of the Employee Retirement Income Security Act, if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million.
  • A trust with assets in excess of $5 million, not specifically formed to acquire the securities offered, whose purchases a sophisticated investor makes.


An Accredited Individual meets one of the following criteria:

  • Person makes $200,000 annually for the last two years and foreseeable future.
  • Person makes $300,000 annually with a spouse for the last two years and foreseeable future.
  • Person with $1 Million net worth not including primary residence.

How do I prove I’m Accredited?

There are several methods to prove Accreditation and the following are two of the most common:

  • Provide W-2 to show annual income.
  • Provide a letter from your CPA, Attorney or Broker-Dealer verifying that you meet one of the criteria of Accreditation.
  • Have JumpStart Securities contact your CPA, Attorney or Broker-Dealer to verify that you meet one of the criteria of Accreditation.

Do I have to wait for the project to be completely funded before I start earning interest?

  • No. All of our offerings have been completely pre-funded and as soon as your accreditation is verified and your money clears you begin earning interest.

How do I know the offerings are high quality?

  • All our offerings are pre-vetted and pre-funded. That means that each project has undergone a rigorous due diligence and underwriting process and the loan has closed. We put our own money behind every project prior to syndicating them to the public.

When will I receive my interest payments?

  • Interest payments are to be made by the borrower on the 1st of every month of the loan term. As with most mortgages, they are allotted a grace period of 15 days. Once the borrower’s money clears, we will take approximately 10 days to initiate and process a distribution to the respective lenders.

What happens if a borrower doesn’t pay the interest or principal?

  • We sell borrower dependent notes so a borrower’s repayment is required for a distribution to be made to lenders. While we maintain very close relationships with the developers we lend money to, there is always a chance for default however slight. In the event of a default, we are fully prepared to take over the project and complete it, sell it, etc. At this point we will return interest and/or principal (if any) net of fees to perform such tasks.


Who can borrow money?

We are currently lending money to developers with real estate projects including, but not limited to the following:

  • Fix and Flip
  • Fix and Refinance
  • New Construction
  • Land Development

How long is the term of the loans?

  • Hold terms vary by project, but range from six months to two years.

How are interest rates determined?

  • The interest rate is set on a project by project basis. We take many factors into consideration when determining the interest rate on a project including developer track record and experience, loan amount, loan-to-value ratio, as-is value, after-repair value (if applicable), etc.

What if I flip the property prior to the end of the hold term?

  • You are still responsible for the interest on the full term of the loan. While we will accept the payment interest and principal sooner, there is no discount on the amount owed.

How long does it take to receive funding?

  • The typical timeframe for funding is between 15-30 days depending on the project. Each project is subject to due diligence and underwriting similar to that of a bank.


Who is JumpStart Securities and what do they do for Eppic Funding?

In order to maintain compliance under the SEC regulations Eppic Funding contracts JumpStart Securities (formerly FundAmerica Securities) to process all compliance related tasks including, but not limited to the following:

  • Accreditation Verification
  • AML(Anti-Money Laundering) Checks
  • Background Checks
  • Bad Actor Checks
  • Escrow Services
  • Broker-Dealer Services
  • Stock Transfer Agent Services

What happens if Eppic Funding goes out of business?

  • Eppic Funding is structured to assign a trustee in the unlikely event that Eppic Funding is unable to perform its duties because of bankruptcy or other issue.
  • The trustee assigned will be responsible to maintain the relationships with the borrowers and investors alike. They will continue to collect from borrowers and distribute to investors for the remainder of the outstanding loans.