OEI Private Credit · A Different Question

Your capital is
already parked.
The question is where.

Every syndicator holding an activation reserve has already made a choice — they're just not asking whether it was the right one.

"What is your bank actually giving you?"

What your bank pays you on idle capital
~0.4%

That's not a return. That's noise. On a $500,000 reserve, your bank is paying you roughly $2,000 a year — while lending your money to others at 6–8%. You are not a depositor. You are inventory.

Side by Side

The bank didn't earn
that reserve. You did.

Here is what holding your activation capital at a bank actually looks like — versus holding it with OEI.

🏦 Your Bank
❌
Interest Earned
~0.4% — effectively nothing on operational capital
❌
Credit Access
None. Your reserve earns nothing and unlocks nothing.
❌
Deploy Speed
You can withdraw — but then you have to raise or find capital before acting on a deal.
❌
Capital Working For You
No. The bank lends your money to others at 6–8% while paying you fractions.
❌
Leverage
Your $500K is just $500K. It cannot be multiplied.
🔐 OEI Escrow + Ready Capital
✓
Interest Earned
Above-market rate through OEI Sweep Programs — your reserve is not idle.
✓
Credit Access
Your reserve activates a full credit line — up to 6.5x the reserve amount, fully available to draw.
✓
Deploy Speed
Draw from the line instantly. No fundraising. No LP committees. Capital ready the moment a deal surfaces.
✓
Capital Working For You
Yes — earning interest while simultaneously backing a revolving credit facility.
✓
Leverage
Your $500K reserve activates a $3M+ line. The same capital does more.
The Math

What dead capital
actually costs you.

The invisible cost of parking your reserve at a bank isn't just lost interest. It's the deals you couldn't move on.

6.5×
Multiplier effect. A $500K activation reserve unlocks a $3.25M credit facility — fully available to draw.
$0
Interest charged on undrawn funds. You hold the line at no cost until you need it. Zero obligation to draw.
100%
Reserve returned. When you close the facility with no outstanding draws, your full activation reserve comes back — plus all interest earned.
The Real Question

Reframe the objection.

"I don't want to park money with OEI."

That capital is already parked.
The only question is whether it's working for you
or working for your bank.

— The OEI Ready Capital Perspective
How It Works

Your reserve does
three things at once.

The activation facility is not a cost. It is the mechanism that makes everything else work.

📈
It Earns Interest
The activation reserve is held in an interest-earning escrow account. Through OEI's Sweep Programs, your capital earns above what a standard bank account would provide — from day one of placement.
⚡
It Activates a Credit Line
That same reserve powers a revolving credit facility you can draw from immediately when a deal requires it. No raising, no pitching, no waiting. The capital is there because you already placed the reserve.
🔓
It Stays Yours
The reserve is fully releasable. When you close the facility — with no outstanding draws — OEI returns your full reserve plus every dollar of interest earned. There is no forfeiture, no friction.
🔄
The Line Revolves
Draw. Deploy. Repay. Draw again. The credit line is not a one-time loan — it resets with each repayment. One reserve placement supports a continuously available facility throughout the facility term.
In Practice

What this looks like
in the real world.

01
You qualify and place your activation reserve.
Your reserve moves into an OEI escrow account — the same capital that was sitting in your bank, but now earning above-market interest and powering a live credit line.
02
A time-sensitive deal surfaces.
You need capital within days — not weeks. Instead of calling LPs or scrambling for a bridge, you draw directly from your OEI facility. Capital is in your account. You move.
03
You close the deal, then go to your investor network.
Now you're pitching with a live deal already closed — not a pitch deck. Investors close faster on real opportunities. Raise, repay the draw, reset the line.
04
Repeat — the line is always ready.
You never re-qualify. The facility revolves. Your reserve continues earning interest. The next deal is already funded before it surfaces.
05
When you're done, your full reserve comes back.
Close the facility with no outstanding draws. OEI releases your complete reserve — plus all accumulated interest — immediately. No delays. No deductions.
Complete Comparison

Every variable.
Side by side.

Category 🏦 Bank Account 🔐 OEI Escrow + Ready Capital
Interest on reserve ~0.4% — negligible Above-market via OEI Sweep Programs
Credit line unlocked None Up to 6.5× the activation reserve
Cost when not deployed Opportunity cost. Zero return, zero leverage. Small unused line fee only. Facility sits ready at minimal cost.
Deploy speed on a deal Must raise capital or liquidate — days to weeks Draw immediately. Hours, not weeks.
Capital returned Yes — but with no compounding benefit Yes — full reserve plus all interest earned
Revolving access None Draw, repay, draw again — throughout the full facility term
Your capital working for you No — working for your bank Yes — earning interest and backing a live credit line simultaneously

Stop letting your capital
work for someone else.

Jonathan Perez, Senior Partner at OEI Private Credit, is personally leading outreach for the Ready Capital Facility. Book a direct call — bring your reserve amount, your pipeline, and your questions.

📞 Book a Call with Jonathan

No commitment required. First call is a qualification conversation.