Secured by Real Property
Every loan is backed by a first-position lien on the physical asset, not a promise.
North Square Capital Debt Fund
Your Income is Strong. Your Wealth Should Be Too.
The North Square Capital Debt Fund gives medical professionals a way to earn consistent, passive income from real estate without landlord headaches, market volatility, or locking up capital for years.
Book Your Investment ReviewDebt Fund Resource Center
No commitment required. Just clarity on whether this fits your situation.
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Download a one-page overview of the fund structure, investment tiers, risk mitigation, and portfolio highlights.
Download the Debt Fund One-PagerYou Earned This.Your Wealth Should Show It.
You're among the highest earners in the country. And yet most physicians finish their careers without the financial freedom their income should have built.
The reasons are familiar: 60 to 80 hour workweeks leave you no time to research investments. Student debt delays the compounding that starts early for everyone else. And because time is scarce, your portfolio likely defaults to the stock market. Not because you trust it, but because it requires the least additional work.
Real estate is appealing in theory. In practice, the trade-offs are obvious: rentals require management, syndications lock up your capital for years, and real estate investment trusts move like stocks, not buildings.
Most medical professionals tell us the same thing: after a 12+ hour day, the last thing they want is another financial spreadsheet to manage.
That's the real problem. Not a lack of opportunity. A lack of time, structure, and a trustworthy vehicle.
Every year your capital sits on the sidelines, or rides the volatility of public markets, is a year of missed compounding, higher tax exposure, and a longer road to the financial independence you deserve.
A Guide Who Understands Your World
Most investment vehicles were not built with your career in mind. North Square Capital was.
Most advisors put you into the same cookie-cutter investment approach as everyone else. But your situation is not like everyone else's. Your schedule leaves no room for active management. And you started your wealth journey later than most, which means every year of compounding counts more, not less.
The North Square Capital Debt Fund was built specifically for this situation: a structure that puts your capital to work without asking anything more of your time.
10+
Years in Financial Services
AIFA®
Accredited Investment Fiduciary Designation
Columbia Threadneedle
5+ years partnering with advisory teams at
Morgan Stanley, Merrill Lynch, Wells Fargo, and UBS
How It Works
Simple by Design
Structured Behind the Scenes
The fund primarily provides short-term loans to professional real estate investors who renovate and resell single-family homes. Borrowers pay 13.75%–15% APR to Rehab Wallet. Here is how your capital is protected at every step.
70% Loan-to-Value Cap
A built-in 30% equity cushion protects your capital even if markets soften.
Six to Nine Month Loan Terms
Short timelines mean your capital is not tied up, and interest payments come to you monthly.
You Choose How Returns Are Paid
Take monthly income directly, let it compound within the fund, or do both.
No Outside Lenders
The fund does not borrow from banks. No external party can force a sale or change the strategy during a market shift.
Go deeper on fund structure
Explore the Debt Fund structure explainer, diligence prompts, and key terms before your next conversation.
No investment is risk-free. The difference here is the risks are managed through short loan durations, real collateral, and structured underwriting. The same way you manage clinical risk: proven steps, steady monitoring, and a margin of safety built in from the start.
Know Exactly What You Will Earn Before You Invest
You're paid first. Fund expenses come second. Operating partners and I are paid last. Your preferred return is never subordinated to management profit.
Returns can be taken as monthly income, reinvested through monthly compounding, or a combination of both. If you choose compounding, your effective return grows beyond the stated preferred rate over time.
Investment AmountPreferred Return
$100,000 to $499,9998%
$500,000 to $1,249,9999%
$1,250,000 and above10%
Compare monthly payout choices
Use the planner to compare monthly distributions with monthly compounding using your own illustrative assumptions.
Keep the details handy
Download the one-page overview to keep the fund structure, tiers, risk mitigation, and portfolio highlights in one place.
Your next step
Ready to See If This Fits Your Situation?
Every investment decision works best when it fits the person behind it. A 30-minute Financial Health Assessment is how we determine whether this fund is right for you.
- Your current approach to long-term wealth
- How you think about risk, liquidity, and cash flow
- Whether this opportunity aligns with your goals
No commitment required. Just clarity on whether this fits your situation.
Real Loan Results
The Same Playbook. Repeated.
These are loans from the fund's portfolio. Simple projects, clear budgets, predictable exits. This is what responsible lending looks like in practice.
* Data as of January 2026
Prepare your diligence questions
Review the Debt Fund Resource Center questions before evaluating portfolio examples, fund documents, or your next Investment Review.
The Power of Compounding
Your Returns Work While You Sleep
Most investments pay you once. This fund pays you monthly. And if you choose to reinvest those payments rather than take them as income, your returns compound on themselves every single month.
The difference between taking monthly distributions and reinvesting them is not small. Over time, it's the difference between a good return and a great one.
"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it."
At 8%, a $100,000 investment doubles in under nine years. At 9%, a $500,000 investment doubles in under eight years. At 10%, a $1,250,000 investment doubles in under seven years. The larger the investment, the faster your money doubles.
That can be the difference between retiring at 60 and retiring at 55. Between working because you have to and working because you want to.
Medicine Built Your Income. This Fund Helps Build Your Wealth.
Your Money Works. Even When You're Not
For the first time, you have capital working on your behalf around the clock. Not in the operating room. Not on call. Not generating RVUs. Your investment is generating returns whether you are seeing patients, on vacation, or asleep.
That second stream of income will not replace medicine. It's not meant to. What it does is give you something most medical professionals never have: a financial life that does not depend entirely on your ability to show up.
This fund is not a complete financial plan. It's one well-chosen piece of it. For medical professionals serious about building wealth outside medicine, it's a meaningful place to start.
What Becomes Possible
A family trip you book without hesitation
A Thursday afternoon you take off because you can
A shorter runway to retirement, on your terms
One less financial decision keeping you up at night
Over time, that means more options. The difference between retiring at 60 and retiring at 55. Between working because you have to and working because you want to.
Ready To Add A Second Stream of Income to Your Life?
You've seen how the fund works, what it pays, and what becomes possible over time. The next step is a 30-minute Investment Review to determine whether it fits your situation.
Book Your Investment Review
No commitment required. Just clarity on whether this fits your situation.
Explore before you decide
North Square CapitalDebt Fund Resource Center
Use the income and reinvestment planner, structure explainer, due-diligence questions, readiness snapshot, and glossary to prepare for a more informed Debt Fund conversation.
Debt Fund Resource Center