Disciplined Credit Strategies Powered by Technology
Strategies
Our strategies address market inefficiencies through proprietary technology, institutional credit discipline, and strategic capital allocation across cycles.
Private Credit
Institutional capital meeting the systematic financing gap for established small businesses. Technology-enabled underwriting delivering both yield and impact.
Real Estate Debt
Specialized financing for time-sensitive CRE opportunities. Rapid deployment across 39 states and 2 US territories, where conventional lenders cannot compete on speed or structural flexibility.
Who We Serve
Family Offices
Entrepreneurial families seeking current income without public market volatility benefit from our private credit approach. Our short-duration loans and monthly distributions provide the liquidity flexibility families managing their own capital require.
Corporate Pensions
Pension sponsors face specific liability schedules and funding requirements. Our 6-18 month loan durations and monthly interest payments provide predictable cash flows investment committees can model.
Funds of Funds
Fund of funds managers building private credit exposure need specialized managers in underserved niches. Our lower-middle-market focus provides portfolio diversification beyond large-scale direct lending.
Insurance Companies
Insurance CIOs managing capital ratios under NAIC regulations benefit from our senior-secured structures. Our tangible collateral and first-lien positions support favorable capital treatment while exceeding corporate bond yields.
Wealth & Asset Managers
Wealth managers competing for sophisticated clients need differentiated investment solutions. Our private credit strategies provide advisors with institutional-quality alternatives and consistent client reporting for quarterly reviews.
Sovereign Wealth Funds
Sovereign investors seeking U.S. private credit exposure without building local origination teams benefit from our direct market access and systematic deployment while maintaining governance standards required for public capital.
Public Funds
State retirement systems with unfunded liabilities need return enhancement without excessive risk. Our strategies target yields above actuarial assumptions while maintaining downside protection through tangible collateral.
Engineered for Institutions
Since 2022, Spectra Capital has deployed capital across hundreds of transactions, built proprietary technology infrastructure, and established institutional relationships positioning us for exponential growth. We're not merely managing capital—we're building the operating system for a new generation of private credit deployment.
How are we performing?
Review our latest quarterly investment performance
News & Insights
Stay informed with our latest case studies, market analysis, and industry perspectives on private credit and real estate financing.