Welcome to
Fair Harbor Lending
Fair Harbor Lending, an affiliate of Everwood Capital Partners, is a leading provider of innovative financing solutions for the residential and hospitality lending sector. Our team leverages decades of experience to empower developers and investors with modern capital structures that enable true scalability.
We’re proud to fund diverse projects big and small, and we work with people across the country to help bring their residential and commercial properties to fruition.
Get Ready to Close Your Next Project
Fair Harbor Investor Benefits
High-Yield Opportunities
Access to a pipeline of high-yield residential and hospitality credit opportunities
Institutional Standards
Institutional underwriting, disciplined risk management, and quarterly distributions
Proven Experience
Decades of successful experience in both residential and hospitality sectors
True Partnership
Not just a lender, but a partner and problem solver for your projects
Solving the Financial Bottleneck
Traditional lenders face major challenges, which trickle down to their customers. Out-dated practices and general bureaucracy keep these firms from adapting to an ever-evolving industry, creating a financial bottleneck.
Deal-by-Deal Cycles
Growth-limiting financing approaches
Low Leverage
Limited borrowing capacity
Inflexible Structures
Rigid terms and conditions
Fragmented Capital
Disconnected funding sources
Fair Harbor Lending was created to break this cycle
We deliver certainty, flexibility, and modern capital structures so you can scale your business—not just your next deal.
Our Residential Lending Advantage
Residential development is at the heart of what we do. We provide a programmatic, revolving credit facility for qualified small portfolio (“SP”) home builders—those with 5-25 homes under redevelopment and a strong track record.
Programmatic Credit Facility
Revolving credit structure for continuous development
Qualified Small Portfolio Focus
Specialized for builders with 5-25 homes under development
Track Record Required
For developers with proven success and experience
Hospitality Lending—A Unique Strength
While residential credit is our core focus, Fair Harbor Lending’s deep experience in hospitality real estate gives us unique insights and structuring abilities not found with typical lenders. Our team has financed and managed over 22 hotel assets-acquisition, development, and bridge lending.
Enhanced Risk Management
Hospitality lending expertise enhances our ability to manage risk and create value, even in complex or transitional projects
Transferable Skills
We bring proven discipline from hospitality to every residential deal—improving outcomes for both developers and investors
Proven Results
$580MM+
Cumulative AUM invested in hospitality and residential assets
Active Local Presence
Regional office in Charlotte; real-time insights and access to top opportunities
True Partnership
Our expertise in development and asset management allows us to step in and support projects as needed
Fund Performance
ECP Opportunity Debt Fund I LLC
14.1%
(Exited 2025 after end of 2 year fund life)
FHL DF II LP LLC
14%
(Targeted return, performing as planned)