A Premier Private Lender
and Investment Partner.
I’ve been in real estate since 1996—buying homes, rehabbing properties, and lending to investors across California. We operate as a licensed Brokerage, a licensed Contractor, and a licensed Lender, carrying the same credentials held by major financial institutions.
Over the years, we’ve completed more than 500 investment transactions and funded over $1 billion in loans, all while maintaining a loss ratio of less than 1/8%. Real estate has never been just about houses—it’s always been about people. Our team of roughly 30 professionals brings more than 200 years of combined experience, and their expertise is the backbone of everything we do.
Our flagship mortgage fund—ZINC Income Fund—has consistently outperformed stocks, bonds, treasuries, and CDs, all while protecting investor principal with first-position liens and zero investor principal losses. That stability, combined with disciplined underwriting, has made ZINC one of the most trusted lenders and investment platforms in the state.
MISSION
To be California’s premier private lender and investment partner—preserving investor equity, delivering strong risk-adjusted returns, and supporting the evolving needs of our borrowers. We believe in helping real estate entrepreneurs create wealth and freedom, one property at a time.
A Message To Our Borrowers
I’m here to serve you with the products, services, and capital you need to grow. We live here, work here, raised our families here—and we’re committed to supporting the investors who are improving communities across our state. You have a partner in ZINC, dedicated to helping you scale your real estate journey with confidence and clarity.
A Message To Our Investors
Your capital is protected as though it were my own—because it is. I invest directly into the very same fund you invest in, creating true alignment of interest. Additionally, I personally post $500,000 as a first-loss buffer before any investor principal is ever at risk.
Our fund is SEC-registered, audited by one of the largest CPA firms in the space, and supported by one of the nation’s top fund compliance groups. We operate with discipline, oversight, and transparency—offering a stable wealth-building vehicle without the volatility of stocks, speculation, or market swings. It’s a simple concept, we lend in first position on entry-level housing, strengthening communities and providing reliable liquidity to our investors.
Moving Forward Together
Whether you need capital for your real estate ventures or you’re considering the ZINC Income Fund as a strategic investment, I remain committed, disciplined, and available. My goal is simple: to build wealth, build relationships, and create opportunities for personal and professional growth—for our partners, our investors, and our team.
Stay blessed,
Todd Pigott, CEO
Speed.
Our loan approval process is focused on quickly underwriting and funding your loan to meet your timline.
Ease.
We handle the entire process in-house from origination to underwriting to funding to servicing. We are with you every step of the way.
Reliability.
ZINC is a balance sheet lender with its own funds along with an in-house team for processing, servicing and underwriting, guaranteeing reliable funding for its borrowers.
LEADERSHIP
We are people-powered — our greatest asset and the foundation of everything we do. Our team lives our core values, leverages deep experience, and taps into expansive networks to deliver unmatched outcomes for our borrowers and investors.
