Connecting Capital to Opportunity

Private Capital for
Real Estate Loans, Simplified.

We connect borrowers with flexible private and hard money lending solutions—fast closings, competitive terms, and deals that traditional banks won't touch.

Connect Now Our Services
50+ Lending Partners
7-14 Day Closings
48 States Served

Capital Solutions

Tailored private and hard money financing for every situation.

Bridge Loans

Short-term hard money financing to bridge the gap between purchase and permanent funding. Close quickly and capitalize on time-sensitive opportunities.

  • Short-term
  • Fast closing
  • Competitive rates
  • Flexible terms

Fix & Flip

Hard money acquisition and rehab funding for residential investors. Competitive rates with flexible draw schedules to keep your projects moving.

  • Acquisition + rehab
  • Flexible draws
  • High leverage
  • Fast approvals

New Construction

Ground-up construction loans for single-family, multi-family, and mixed-use developments. Phased draws aligned to your build timeline.

  • Ground-up builds
  • Phased draws
  • Multi-unit eligible
  • Flexible timelines

DSCR Rental Loans

Long-term rental property financing based on property cash flow, not personal income. Ideal for portfolio investors scaling their holdings.

  • Long-term financing
  • Cash flow based
  • No income docs
  • Portfolio friendly

Why Umbrella Place

We are not a bank. We are your strategic capital partner.

01

Speed to Close

Our streamlined process and direct lender relationships mean you get funded in days, not months. We move at the speed of your deals.

02

Creative Structures

Every deal is different. We craft financing solutions that fit your specific scenario—even when traditional lenders say no.

03

Lender Network

Access to a curated network of private lenders, funds, and institutional capital sources. We match your deal with the right capital.

04

Transparent Process

No hidden fees, no surprises. You'll know your terms upfront and have a dedicated point of contact from application to funding.

How It Works

From inquiry to funding in four simple steps.

1

Share Your Details

Fill out our intake form with your deal details. We typically respond within a few hours—24 hours at most.

2

Get Matched

We identify the best lending options from our network and present you with term sheets.

3

Underwriting

Once you select terms, we manage the underwriting and documentation process for you.

4

Close & Fund

Funds are wired directly. You close your deal and we stay available for future needs.

Who We Are

The team and vision behind Umbrella Place.

Real estate investment and private lending concept

Our Vision

Umbrella Place was founded to simplify private real estate financing. We believe every investor deserves access to fast, flexible capital—without the red tape and runaround of traditional lending. Our mission is to be the bridge between borrowers and the right funding partners, making the process transparent, efficient, and personal.

CS

Cole Smith

Managing Partner

Cole’s career began as a human intelligence collector and Arabic linguist before commissioning in the U.S. Army. He continued serving his country as a Special Agent deploying to countries in crisis. After concluding his government service, Cole founded a SaaS company and continues to advise and invest in early-stage companies. His passion for connecting capital with opportunity led him to start Umbrella Place with his “younger” brother Zach.

ZS

Zachary Smith

Managing Partner

Zach’s career began in the cockpit as a Navy pilot, where he developed the discipline and precision that would follow him through everything after. He transitioned into software engineering, earning a Master’s degree and building a career around solving complex problems. His ability to analyze systems and cut through complexity pulled him toward real estate capital brokerage—investors move fast and need financing that keeps up. Zach connects them with the right capital for their deals, whether that’s a fix and flip, a rental acquisition, new construction, or a growing portfolio. He lives on the Florida Gulf Coast with his wife and four kids, and started Umbrella Place alongside his “older” brother Cole.

Work With Us

Let's Talk About
Your Deal

Reach out directly or fill out the form and we'll get back to you—typically within a few hours.

Zachary Smith — Florida

Managing Partner
☎ (850) 706-0145
✉ zachary@umbrellaplace.com

Cole Smith — Utah

Managing Partner
☎ (801) 613-2659
✉ csmith@umbrellaplace.com
🌐 Serving clients in 48 states

Quick Qualification

Tell us about your deal and we'll get back to you within 24 hours.

Your information is kept confidential and only shared with lending partners relevant to your deal.

Frequently Asked Questions

Common questions about working with Umbrella Place.

To start, we just need basic deal details through our intake form. Once we match you with a lender, typical documents include a purchase contract, property photos, and proof of funds for down payment. Requirements vary by loan type.

Rates depend on the loan type, property, and borrower profile. Private lending rates typically range from 6-14% with 1-3 points. We present you with multiple options so you can choose the best terms for your deal. Our brokerage fee is disclosed upfront before you commit.

Banks have rigid underwriting criteria, lengthy approval processes, and often decline deals that do not fit their box. We work with private lenders who focus on the deal itself, can close in days instead of months, and structure terms creatively to fit your scenario.

No. We do not charge any upfront fees to review your deal or match you with lenders. Our fee is earned at closing and is clearly disclosed in your term sheet before you move forward.

We serve borrowers in 48 states. Submit your deal through our intake form and we will confirm coverage for your specific property location.