What’s in a Billion? A Story of Growth, Alignment and Mission
By Tuan Pham
Archwest Capital began 2025 by crossing a major milestone: over $1 billion in real estate investment loans funded since inception. For a company founded with a clear mission—to deliver the most efficient capital to experienced investors—this achievement marks more than just a number. It is proof of the alignment of our mission with the market. It strengthens our bold goal to exceed $2 billion within a year of crossing the first.
While many private lenders are retrenching, Archwest is expanding with purpose, staying agile and focused on the needs of today’s real estate investors.
What the $1 Billion Milestone Represents
Funding over 2,000 real estate projects nationwide, Archwest has financed everything from renovated homes and infill development to stabilized rental portfolios. These deals are driving job creation, housing revitalization, and local economic impact.
As CEO Shawn Miller put it, “Experienced investors and developers need a reliable capital partner committed to their growth. That’s who we set out to be, and this milestone confirms that vision.”
National Footprint with Local Depth
Operating in nearly 50 states and having lent in 676 cities across 40 states, Archwest is one of the few private lenders with true coast-to-coast reach. Its top five metros by loan volume — Los Angeles, San Diego, Phoenix, Miami, and Dallas — reflect broader national housing dynamics.
In Sunbelt cities like Phoenix and Dallas, population and job growth are fueling new housing starts. In coastal cities like L.A. and San Diego, demand for renovations is rising as aging housing stock and limited supply drive competition.
Addressing America’s Housing Challenges
Archwest’s lending programs directly respond to national housing headwinds:
- A shortage of 3.8 million homes
- The average U.S. home age surpassing 40 years
- Persistent financing hurdles for new construction
Fix & Flip: Tackling Aging Inventory
With most homes over four decades old, the fix-and-flip market is critical. Archwest provides up to 93.5% loan-to-cost (LTC) and borrower-friendly pricing, empowering investors to bring distressed properties back to life. These aren’t just flips. They’re homes restored and neighborhoods uplifted.
Ground-Up Construction: Building What’s Missing
While many shy away from construction financing, Archwest has leaned in. Roughly one-third of loans support new builds, a crucial solution to supply shortages. Its construction program offers up to 90% LTC with a process designed for easy, quick draws and on-time builds.
Rental Loans: Supporting Long-Term Housing
Demand for build-to-rent and rental portfolios has been climbing. Archwest’s DSCR and Rental Portfolio loans help investors expand workforce and affordable housing in a scalable way. This long-term focus is vital as more Americans rent by necessity, not just choice.
Who’s Behind the Growth?
The borrower base is diverse:
- Ages 23 to 78
- Average borrower age: 42
- Net worths from $2M to $4M
- Loan sizes ranging from $65K to $9M with exceptions
- Average loan size: $600K
From occasional flippers to institutional developers, Archwest serves a wide spectrum of real estate investors. Our deep and direct capital allow us to serve a variety of investment strategies while managing risk effectively.
Speed as a Strategic Advantage
In real estate, speed can mean the difference between winning and losing a deal and the success of a project. Archwest delivers one of the fastest average closing times:
- Fix & Flip: 1 days
- Ground Up: 2 days
- Rental Loan: 3 days
Every step, from underwriting to funding, is built for speed and reliability.
COO Tricia Mitchell says it best: “Matching investor urgency with operational precision is what sets us apart.”
Looking Ahead to $2 Billion
With recent strategic partnerships and a record loan pipeline, Archwest is on pace to double its volume by Q1 2026. Originations in 2025 thus far have already exceeded expectations.
But growth is not just about numbers. It is about staying mission-driven — to be the best lender for the best borrowers.
Teams are scaling regionally, products are evolving, and tech-enabled efficiency continues to improve.
Every Loan Is an Impact Story
Each project funded represents:
- A contractor at work
- A home revived
- A neighborhood uplifted
- An investor’s future advanced
While headlines dwell on housing affordability crises, Archwest is enabling real solutions daily: more homes, more revitalization, and faster execution to repeat again.
A Billion Thanks and an Invitation to Join in the Next Billion
To every borrower, broker, team member, and partner — thank you. Your trust and grit built this momentum.
As we reach for the next billion, we invite new investors to join us.
If you’re ready to turn your next deal into impact, we’re ready to help you close it with speed, flexibility, and confidence.
Explore programs at ArchwestCapital.com
