Umbrella Place

We help investors and entrepreneurs build wealth through lending, real estate, and strategic capital.

Private Lending
Real Estate Investing
Business Investing
Leadership Training

Our Story

Two brothers who served their country, built businesses, and now help others do the same.

Cole Smith

Cole Smith

Managing Partner

Cole served as a human intelligence collector and Arabic linguist before commissioning as an officer in the U.S. Army. He continued as a Special Agent deploying to countries in crisis. After government service, he founded a SaaS company and now advises and invests in early-stage businesses. His drive to connect capital with opportunity led him to start Umbrella Place with his brother Zach.

Zachary Smith

Zachary Smith

Managing Partner

Zach flew as a Navy pilot before transitioning into software engineering, earning a Master’s degree and building a career solving complex technical problems. His ability to analyze systems and cut through complexity pulled him into real estate capital brokerage—investors move fast and need financing that keeps pace. He lives on the Florida Gulf Coast with his wife and four kids.

What People Say

“I had a deal under contract with a 10-day close and my bank couldn't move fast enough. Cole and Zach matched me with a lender and we closed in 8 days. They made it feel easy.”

Marcus T. Real Estate Investor, Texas

“Most brokers just send you a rate sheet. These guys actually understood my deal, asked the right questions, and came back with three options that all made sense. Night and day difference.”

Jennifer R. Fix & Flip Investor, Florida

“As a first-time investor I had no idea where to start with financing. Zach walked me through every step and got me terms I didn't think were possible. I've sent him three referrals since.”

David K. New Investor, Utah

Get in Touch

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Umbrella Place
Cole & Zachary
Smith