A $10.8M Year — No Foreclosures, No Defaults The 2025 Private Lending Review When I launched 42 Solutions, the goal was never volume for the sake of volume.It was execution. In 2025, that focus showed up in measurable ways: $10.8M in private loans funded 23 total loans Zero foreclosures Zero defaults Average loan term: 8 months Over $3M in profit created for our borrowers Year-over-year growth: Balance sheet: +156.7% Gross revenue: +168.2% Net income: +163.7% Those numbers m

Why Loan Structure Matters More Than Rate One of the most common questions I get from borrowers and capital partners is about rate. That makes sense. Rate is visible and easy to compare. What often gets overlooked is that rate is rarely the most important variable in a loan. In practice, loan structure plays a much bigger role in risk, predictability, and long-term outcomes. Rate Is Easy to See. Structure Does the Real Work. Two loans can both be priced at 12 percent and beha

WHY BORROWER QUALITY MATTERS MORE THAN DEAL VOLUME One of the clearest lessons reinforced in 2025 was this: not all deal flow is created equal. You can fund a high volume of loans and still introduce unnecessary risk. Or you can fund fewer loans with the right borrowers and build a far more durable lending business. At 42 Solutions, we have made a very intentional shift toward the latter. Volume alone is not the goal. Quality execution is. Fewer Loans, Stronger Borrowers Over

Why Reserves Matter More Than Yield in 2026 In private lending, rates and speed get all the attention. But if 2026 proves anything, it’ll be this: the best returns won’t come from swinging harder — they’ll come from staying liquid and disciplined. At 42 Solutions, we’re not building our business around aggressive loan volume. We’re building around a foundation that lasts. That starts with one underappreciated advantage: reserves. Why Liquidity Trumps Leverage When markets tig

One of the most common questions I get is some version of: “Is growth the main goal for 42 Solutions?” The honest answer is: no. Growth is a byproduct  of doing the fundamentals well — not the objective itself. In 2025, 42 Solutions LLC had: 0 defaults 0 foreclosures That matters more to me than any single revenue or loan volume number. Here’s why. In Private Lending, Survival Is the Game Private lending isn’t about chasing the highest yield. It’s about not losing money when

As we turn the page into 2026, I wanted to take a moment to reflect on 2025 and share a high-level update on how 42 Solutions LLC performed over the past year. 2025 was the strongest year in the history of the business — not just in terms of growth, but in how we operated, underwrote, and protected capital while scaling. Below is a transparent snapshot of what we accomplished and, more importantly, how  we did it. 2025 at a Glance — Key Results $10.823M in total loan volume f