This page is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any security.
Spruill Capital provides short-term, first-lien loans on single-family residential properties that are being renovated and then refinanced into long-term conventional financing.
Our borrowers are already approved with a conventional lender prior to closing with us. Our capital is used to acquire and renovate the property, after which the borrower refinances out of our loan and holds the property as a rental.
This structure is designed to emphasize disciplined underwriting and risk management.
By staying disciplined on leverage and exits, we focus on protecting principal first and returns second.
Spruill Capital is an approved lending vendor with Lifestyles Unlimited, a national real estate education organization focused on investor education and risk management. This relationship provides access to a consistent pipeline of educated borrowers who follow disciplined acquisition, renovation, and refinance strategies.
First-lien security
Conservative loan-to-value ratios
Borrowers with planned exits
Disciplined underwriting standards
Professional title, appraisal, and closing processes
By staying disciplined on leverage and exits, we focus on protecting principal first and returns second.
Spruill Capital is led by Grant Spruill, Managing Partner, who has extensive experience in both single-family and multi-family real estate.
Grant has invested heavily in his education and professional development, completing over 200 hours of formal real estate training and committing significant personal capital to real-world investing. This combination of education, execution, and discipline drives consistent decision-making and long-term value creation for investors.
Spruill Capital focuses on long-term relationships, disciplined underwriting, and repeatable strategies designed to grow investor capital steadily over time.
Our objective is simple: protect capital, execute consistently, and designed to support long-term capital stewardship through repeatable underwriting standards.
Investors receive regular reporting and transparent communication throughout the life of each investment.
This information is provided for general informational purposes only and does not constitute an offer to sell or a solicitation to buy securities. All investments involve risk, including the potential loss of principal. Investment opportunities are offered only through appropriate legal documentation to qualified investors.
