Current Offerings | North Square Capital

Generate Monthly Passive Income From Real Estate

Invest In the North Square Capital Debt Fund

Earn Up To 10%+

Preferred Return

90-Day Liquidity

$25,000

Minimum Investment

A Smarter, Steadier Path to Building Wealth for Medical Professionals

Most medical professionals work harder than almost anyone, and yet the time and energy required to build long-term wealth rarely match the demands of the profession.

Between patient care, charting, and administrative load, 60–80-hour workweeks are standard. After that, there’s little bandwidth left to analyze investments or monitor markets. Even with strong incomes, many clinicians spend their early career years juggling 200K to 300K of student debt. Those early years make it harder for their money to grow, which shortens the runway toward financial independence.

Because time is scarce, portfolios often default to whatever is easiest to automate, most commonly the stock market. Not because physicians love volatility, but because it’s the only option that doesn’t require another layer of work.

Real estate is appealing in theory, but in practice, the trade-offs are obvious:

Rentals require management
Real estate syndications lock up capital for years
REITs move like stocks, not buildings

As one surgeon shared, “After a 14-hour day, the last thing I want is another spreadsheet.”

That’s the real issue. Not a lack of opportunity, but a lack of time, structure, and trustworthy vehicles.

If nothing changes, the math keeps moving quietly in the wrong direction.
Every year on the sidelines, or tied up in volatile markets, is a year of missed compounding, higher tax exposure, and a slower path to financial independence.

The question most medical professionals eventually ask is simple:

What investment structure gives me real estate exposure without adding another job?

Real-estate debt funds were built to answer exactly that question.

They allow your capital to work while you stay focused on patients, life, and everything that matters. Instead of owning properties or depending on a sponsor’s business plan, debt fund investors earn consistent interest secured by real property.

Think of it like referring to a trusted specialist:
The procedure happens elsewhere, but the outcome strengthens the entire plan.

We handle the process. You benefit from the results.

At North Square Capital, the fund targets 8–10%+ annualized returns, backed by first-position real estate loans. Investors can choose monthly income, monthly compounding, or both, with 90-day liquidity for flexibility (subject to fund terms).

For physicians who weigh risk the way they weigh clinical decisions, protocols, data, and controlled variables, this structure feels familiar:

Capital preservation first, outcomes grounded in evidence, consistency over speculation.

A Way to Earn Consistent Returns
Without Extra Work

How the North Square Capital Debt Fund Works

The fund provides short-term loans to professional fix-and-flip investors who rehab single-family homes.

Here are the safeguards built into every loan:

The property itself backs each loan.
Loans are typically capped at ~70% loan-to-value, providing ~30% equity cushion even if markets soften.
All loans are secured by first-lien mortgages, giving the fund the right to take control if a borrower fails to repay.
The fund is diversified across 400+ active loans in multiple U.S. markets.
The fund does not borrow from banks or outside lenders so that no external party can force sales or change strategy during market shifts.
Loans last 6 to 9 months, with borrowers paying interest monthly.
Interest payments go directly to investors or compound within the fund, your choice.
When loans are repaid, capital is quickly redeployed so it never sits idle.

No investment is risk-free. This one isn’t either. The difference is that the risks are managed through short loan durations, real collateral, and careful underwriting.

It works the same way clinicians manage clinical risk: proven steps, steady monitoring, and a margin of safety that stops small problems from becoming big ones.

I’ve added a short video below that walks through the fund in plain language so you can see how everything works without digging through the details.

The Quiet Power of Compounding

"Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn’t, pays it." – Warren Buffett (often attributed to Einstein).

Small, consistent investments can lead to exponential growth over time. The earlier you start, the more time works in your favor.

When investors choose the compounding option, monthly interest stays in the fund and begins generating new income the next month, turning consistency into acceleration.

The numbers tell the story:

$100K compounded monthly at 8% → $149K after 5 years, $222K after 10, $317K after 15

$500K compounded monthly at 9% → $783K after 5 years, $1.22M after 10, $1.91M after 15

In medicine, compounding mirrors preventive care: Small, steady actions that build lasting strength.

The only real danger with compounding is starting too late.

Time is either your greatest ally or your quietest liability.

Try It Yourself

Want to see what compounding could look like with your own numbers?

You can plug in your starting amount, time horizon, and assumed return here: Compound Interest Calculator - Click Here.

Adjust the numbers and see how small changes in time or return rate change the outcome.

Why This Structure Fits Medical Professionals

Medical professionals make high-stakes decisions with limited time and incomplete information every day.

Investing shouldn’t add to that burden.

The North Square Capital Real Estate Debt Fund was designed for medical professionals who want real estate exposure without taking on another job.

It fits those who want:

Prefer predictable results over speculation

A stronger home for cash than savings or money market accounts, targeting 8–10%+ annualized returns.

Diversification beyond Wall Street without riding the ups and downs of the stock market.

Protection and consistency through real, asset-backed investments that don’t depend on corporate profits.

Need liquidity for life changes or opportunities.

A simple way to put old 401(k)s or IRAs to work through a self-directed IRA (SDIRA).

Straightforward reporting and full transparency

It works because it matches how medical professionals already think: Define the risk. Follow the data. Trust the process.

Well-designed systems take pressure off in medicine. The structure of this fund aims to provide the same benefit in investing: clarity, consistency, and peace of mind.

A Look at Real Loan Results

These examples show what responsible lending looks like in practice. Simple projects. Clear budgets. Predictable exits.

Strongsville, Ohio

Purchased for $221,000
$35,000 in rehab
Sold for $385,000 in four months

Lewisville, North Carolina

Purchased for $223,500
$19,500 in rehab
Sold for $368,000 in under five months

Short timelines. Conservative loan-to-value ratios. First position liens. The same playbook, repeated.

Zoom Out: The Bigger Picture Since Inception* (June 2020)

More than 2,300 loans opened
Over $500 million funded
Approximate default rate of 1.4%
- No investor capital lost
- Never missed a monthly payment

Scale matters because it shows that the system works the same way across different markets, borrowers, and market conditions. The results above are snapshots. The inception numbers show the long-term pattern.

The goal is not to chase the highest possible yield. It is to deliver consistent, repeatable outcomes with meaningful safeguards in place.

Medical professionals rely on clear, transparent data before making decisions, and your investments should offer that same level of transparency.

* Data as of October 2025

Fund At A Glance

Is This a Fit for You?

Every investment decision works best when it fits the person behind it. Your profession, your schedule, and your responsibilities all matter.

The North Square Capital Real Estate Debt Fund is one option that can bring stability and predictable income to a broader portfolio. It won’t fit every situation. That’s why the process starts the same way a good treatment plan does: with a clear conversation, not a prescription.

In a 30-minute consultation, we'll explore:

Your current approach to building long-term wealth
How you think about risk, liquidity, and cash flow
Whether this debt-fund structure aligns with your goals

You’ll leave with clarity, whether that means moving forward, asking sharper questions, or simply understanding another option that could support your long-term financial health.

Schedule a 30-minute consultation to see if this approach fits your situation.

SCHEDULE A CONSULTATION