Hello Bigger Pockets Community,

I am seeking a private lender for a low-risk, high-cash-flow vending machine opportunity. I have an executed contract with a high-traffic entertainment venue in Central Texas and need $40,000 to launch the route. This is an asset-backed loan with a target 12% annual return for you.

The Deal Structure:

· Loan Amount: $40,000

· Term: 36 months

· Target Interest Rate: 12% (Amortized)

· Monthly Payment to Investor: ~$1,328

· Collateral: First-position lien on $30,000 of new vending equipment.

Why is this secure for the investor?

1. Asset-Backed: The hard assets (4 machines) secure 75% of the loan principal upfront.
2. Executed Contract: The location is locked in. The venue has a captive audience, perfect for vending.
3. Strong Cash Flow: Conservative projections show a Debt Service Coverage Ratio (DSCR) of 1.8x+. The business generates nearly double the cash flow needed to cover the loan payment.

Financial Snapshot (Year 1 Projections):
· Gross Annual Revenue: $72,000
· Net Operating Income: $30,108
· Annual Debt Service (P&I @ 12%): $15,936
· Net Cash Flow: $14,172

Use of Funds:
· $30,000: Purchase of 4 new combo machines (Snacks & OTC Meds)
· $10,000: Initial inventory stocking

I am a serious operator with a detailed plan for management and logistics. I will provide all documentation to qualified investors, including:
· Executive Summary
· Detailed 3-Year Financial Pro Forma

Ideal Lender: Someone looking for a secure, passive investment with a strong fixed return, backed by tangible assets and a clear path to repayment. If you are interested in earning a 12% annual return on a secured loan, please reply to this post or send me a direct message to discuss further.

The reason I am posting here is that this community is filled with investors that maybe do other investments besides real estate. I do own a real estate property in Austin, TX that could be used as collateral as well if the above does not meet qualifications for a direct loan. I have over $200k of equity on this property, but it is owner occupied and I have been having issues trying to secure a refinance to fund this business endeavor. So, the collateral would be a 2nd position lien.

Thank you for your consideration.