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Operator-investors · Personal balance sheet

We're not a fund. We're operators who invest in operators.

Cole built and runs a SaaS company. Zach built a real estate capital business from a software engineering background. When we write a check, it's our money — and we're picking up the phone when you call. We back small, real businesses we actually understand.

Pitch us your business Email Cole directly
Our Lane

What we actually back

We invest in what we live in. Software, services, and businesses that touch real estate or operations — the things our day-to-day teaches us how to evaluate.

Stage

Profitable or near-profit

Bootstrapped > venture-backed for our style

Check Size

$25K – $250K

Sometimes more for the right deal

Sectors We Know

SaaS, services, real estate ops

Property mgmt, contractors, lending tech, fintech, vertical SaaS

What We Avoid

Hardware, biotech, hype

If we can't underwrite it, we won't fake it

Geography

Anywhere with a working laptop

Bias toward founders in the Mountain West & Southeast

Founder Type

Operator-builders, not pitch-deck pros

If you've shipped, served, or sweated — we're listening

Three principles, no surprises

We've been on the founder side. We know what helpful looks like — and what "value-add" usually really means.

1

Fast yes, fast no

Inside two weeks of a real conversation you'll hear a clear answer. We don't drag founders through 12-week diligence cycles for a $50K check.

2

Honest involvement

We're available, but we don't pretend to be your COO. Monthly check-in, warm intros from our network, real opinions when asked. No board theater.

3

Patient capital

We don't have an LP timeline. If you want to grow profitably for ten years instead of raising a Series B, we're aligned. If you need to exit fast, we're aligned with that too.

Plain talk

What we are. What we aren't.

So you don't waste a pitch on us — or worse, take money from people who can't actually help.

What we are

  • Two operators investing personal capital
  • Patient, no LP clock
  • Comfortable with bootstrapped, slow-growth, profitable
  • Available for honest advice and warm intros
  • Reachable on the phone
  • Aligned with founders who want to build something durable

What we aren't

  • A venture fund or SPV machine
  • Lead investors on a Series A
  • Sector tourists chasing whatever is hot
  • Going to write a $5M check on a deck
  • Looking for a board seat
  • Going to ghost you after we wire

Building something real?

Send a paragraph about what you're working on, the numbers as they stand, and what you'd do with our check. Real responses to real notes.

Pitch us your business Email Cole directly
Umbrella Place
Cole & Zachary
Smith