New Platform Deep-Dive Review: Arrived Private Credit Fund. (The second in a series of three reviews about Arrived offerings)

This Jeff Bezos backed firm offers an easy and convenient way to invest in a diversified debt portfolio. It's also returned an attractive-looking 8.1% and doesn't charge a promote/profit split. Downsides for some investors may include the apparent lack of disclosure of co-investment and the fund loan-tape, timing (due to current tariff situation), and lack of previous real-estate experience of principals.

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A Changing of the Guard for Real Estate CrowdFunding?

The recent downturn has caused a lot of pain and disruption to the older crowdfunding sites (as discussed in previous reviews). And it's also caused a ton of new companies to popup (like daisies after a spring rain). And unsurprisingly, many of these new firms are taking a different approach than the old guard did.

So this is the sixth article in a new series about these fresh platforms. And this one is about the Arrived Private Credit Fund, which specializes in residential real-estate debt.

What is Arrived?

Arrived is a real estate investment platform focusing on residential properties, including single-family homes and vacation rentals. Notably, the company is backed by Jeff Bezos (Amazon) and Marc Benioff (Salesforce).

It offer three investing options:

1. Real-estate equity investments in single-property deals.

2. Real-estate debt investments via the Arrived Private Credit Fund.

3. Real-estate equity investments in a diversified fund (Arrived Single Family Residential Fund).

This review focuses on the second option: Arrived Private Credit Fund

The Arrived Private Credit Fund

The Private Credit Fund currently it has $39.1 million invested in 54 loans. This is very impressive for a newer site. 

This fund invests only in debt and that can have certain advantages. If something goes wrong with an investment, debt is in the first position to make a recovery. So it’s usually the safest position to be in the capital stack (versus other portions of the same investment which are secondary and more at risk of loss). So this is a nice plus for investors who are looking for this.

Arrived says the fund targets 7 to 9% net returns and has historically yielded 8.1%. In today's environment, many investors would find this an attractive return.

It's a fund of many loans and so this generally gives more diversification protection than investing in a single loan. Also, it can be painful to try to piece together a portfolio of individual loans. A fund like this is much easier and more convenient.

Arrived was funded by Jeff Bezos (Amazon's founder) and Mark Beniof (Salesforce's founder). So this is impressive.

And even though they charge a combined 2.4% / year in fees, they don't charge a promote/profit split at all. So together, this is an attractive combination versus other debt funds.

Additionally they accept all investors over 18, so you don't have to be accredited. Minimums are very low and accessible at $100. And it's nice that they send checks so frequently ( monthly instead of the usual quarterly).

On the other hand, some investors may find the focus on new construction, bridge and renovation loans to be poor-timing in the current tarrif environment (as of today, April 18, 2025). More about this is in the detailed due-diligence section of the review (see link below)

Also Arrived does not appear to disclose their full track record, co-investment and the loan tape of the fund. For me, this is inadequate transparency and a major negative (and I hope they change their decision on this, for the future).

Also, neither the principals nor the company have full real-estate cycle experience with little to no money lost (which some conservative investors require). Additionally some may find it off-putting that the founders have no previous real estate experience (let alone experience managing other people's money into real estate fund).

Also, some accredited investors generally dislike how nonaccredited offerings (like this) charge more up front fees than other options they have. And in my opinion the pitch page is inadequate.  It forces the investor to wade through dense SEC filings for basic information (and I feel that's asking way too much from an investor that doesn't even know if they're potentially interested or not). And I do hope they change this in the future.

Get more Info (including a due-diligence deep-dive)

This new review has more info on how Arrived Private Credit Fund works, its pros and cons and also a due-diligence deep-dive as well. Click here to see the full Arrived Private Credit Fund review.