LDX Capital — Loan Programs (Traditional & RWA)

The published LDX credit box, side by side, across traditional and tokenized execution.

Page 1 · Traditional Program Chart

Program	Loan Size	Rate	LTV / LTC	Term / Amort	Guaranty
Permanent Financing	$3M – $50M	Fixed 4.0% – 6.5%	75% / 80%	10 yr / 30 yr	Recourse & Non-Recourse
Bridge Loan	$2M – $50M	Float 6.0% – 12.0%	85% / 85%	Up to 5 yr I/O	Recourse
Construction	$2M – $50M	Float 7.0% – 12.0%	80% / 80%	Up to 5 yr · Milestone draws	Recourse
Mezzanine / Pref Equity	$1M – $10M	12% – 20%	Combined 85% / 85%	Custom tranches	Recourse
C-PACE	$1M – $50M	Fixed 6.0% – 8.0%	Assessment-to-Value ≤ 25%	Up to 30 yr	Non-Recourse
SBA 7(a)	Up to $5M	Prime + 1.00% – 2.75%	Up to 95%	Up to 25 yr	Federal (SBA)

Program

Loan Size

Rate

LTV / LTC

Term / Amort

Guaranty

Permanent Financing

$3M – $50M

Fixed 4.0% – 6.5%

75% / 80%

10 yr / 30 yr

Recourse & Non-Recourse

Bridge Loan

$2M – $50M

Float 6.0% – 12.0%

85% / 85%

Up to 5 yr I/O

Recourse

Construction

$2M – $50M

Float 7.0% – 12.0%

80% / 80%

Up to 5 yr · Milestone draws

Recourse

Mezzanine / Pref Equity

$1M – $10M

12% – 20%

Combined 85% / 85%

Custom tranches

Recourse

C-PACE

$1M – $50M

Fixed 6.0% – 8.0%

Assessment-to-Value ≤ 25%

Up to 30 yr

Non-Recourse

SBA 7(a)

Up to $5M

Prime + 1.00% – 2.75%

Up to 95%

Up to 25 yr

Federal (SBA)

Purpose coverage: Acquisition, refinance, construction/GC, renovation/PIP, recapitalization, and bridge-to-perm — every stage of the CRE asset lifecycle sits inside one of the six programs above.

Published credit gates enforced automatically

Page 2 · Tokenized Execution Chart

The same six programs — expressed as digital-capital funding structures. Same underwriting, faster capital.

Program	Rail	Senior / Junior	Senior Target Yield	Custody & Settlement
Permanent	Tokenized pool (Centrifuge)	80% / 20%	5.0% – 6.5%	BitGo Bank & Trust
Bridge	Tokenized pool (Centrifuge)	75% / 25%	6.5% – 8.5%	BitGo Bank & Trust
Construction	Digital escrow · milestone draws	80% / 20% at stabilization	7.0% – 9.0%	BitGo Bank & Trust · signed lien-waiver exchange
Mezzanine	Fractional credit facility	Custom	10% – 15%	BitGo Bank & Trust
C-PACE	Tokenized pool (Centrifuge)	90% / 10%	5.5% – 7.0%	BitGo Bank & Trust
SBA 7(a)	Guaranteed-strip participation	SBA-guaranteed portion only	Prime-linked	BitGo Bank & Trust

Program

Rail

Senior / Junior

Senior Target Yield

Custody & Settlement

Permanent

Tokenized pool (Centrifuge)

80% / 20%

5.0% – 6.5%

BitGo Bank & Trust

Bridge

Tokenized pool (Centrifuge)

75% / 25%

6.5% – 8.5%

BitGo Bank & Trust

Construction

Digital escrow · milestone draws

80% / 20% at stabilization

7.0% – 9.0%

BitGo Bank & Trust · signed lien-waiver exchange

Mezzanine

Fractional credit facility

Custom

10% – 15%

BitGo Bank & Trust

C-PACE

Tokenized pool (Centrifuge)

90% / 10%

5.5% – 7.0%

BitGo Bank & Trust

SBA 7(a)

Guaranteed-strip participation

SBA-guaranteed portion only

Prime-linked

BitGo Bank & Trust

What each row means

Senior share class is sold under Reg D Rule 506(c) to KYC-verified accredited and institutional investors on Centrifuge pool infrastructure. Junior first-loss is retained by LDX Capital on every pool — skin in the game on every deal, always.

Representative pool waterfall

Senior — institutional investors

LDX first-loss

Bridge pool illustrative split — actual ratios range 65/35 to 90/10 by program.

Automated credit gates on-chain

Same credit standard, either channel. A deal that clears LDX underwriting is priced traditionally and via tokenized execution on the same day — the borrower closes the same way regardless of which channel funds it.

Six programs. Every asset. Two channels.

Page 1 · Traditional Program Chart

Published credit gates enforced automatically

Page 2 · Tokenized Execution Chart

What each row means

Representative pool waterfall

Automated credit gates on-chain