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Apple Valley Capital Group

Investor returns

Three tiers. Interest paid monthly.

Interest is calculated daily on your outstanding balance and paid every month. Here's the full breakdown, the calculator, and a worked example.

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The tiers

10 / 11 / 12% — pick your level.

Tier 1
10%annual

Paid monthly

Capital committed
$0 – $499,999
  • First-lien secured
  • 12-month term
  • Interest deposited monthly
Most common
Tier 2
11%annual

Paid monthly

Capital committed
$500,000 – $999,999
  • First-lien secured
  • 12-month term
  • Interest deposited monthly
Tier 3
12%annual

Paid monthly

Capital committed
$1,000,000+
  • First-lien secured
  • 12-month term
  • Interest deposited monthly
Try the calculatorSee how returns work

Investment calculator

See what your capital could earn.

$
$0$500K$1M$2M+

Your tier rate: 11% annual, paid monthly

Estimated monthly interest

$4,583

Estimated annual interest

$55,000

Figures are illustrative estimates based on current co-lender tiers.

Worked example

If you place $500,000 at 11%…

Here's exactly what year one looks like, month by month. Interest is calculated daily on the outstanding balance and paid on the first of each month.

$500,000 · 11% tier · 365-day year

Month-by-month interest

January (31 days)
$4,671.23
February (28 days)
$4,219.18
March (31 days)
$4,671.23
April (30 days)
$4,520.55
May (31 days)
$4,671.23
June (30 days)
$4,520.55
July (31 days)
$4,671.23
August (31 days)
$4,671.23
September (30 days)
$4,520.55
October (31 days)
$4,671.23
November (30 days)
$4,520.55
December (31 days)
$4,671.23
Total year-one interest$55,000

How it's calculated

The daily-interest formula

Interest is calculated using a daily rate, then multiplied by the number of days in the month. This means what you earn each month scales exactly with how many days are in it.

Principal × (Annual Rate ÷ 365) × Days in the Month = Monthly interest

For $500,000 at 11% annually, in a 31-day month:

500,000 × (0.11 ÷ 365) × 31 = $4,671.23

Common questions about returns

Returns — FAQ

Rates step up at two thresholds: $500,000 (11%) and $1,000,000 (12%). Below $500K you earn 10%. The tiered structure exists because larger placements let us fund larger deals more efficiently — and we share that back with investors.

Total capital placed with AVCG at the time — not per loan.

Interest is paid out monthly to your account, not compounded. If you'd like to reinvest, you can add the monthly interest back to your placement — that effectively compounds it.

No. Returns are not guaranteed. They are secured by first-lien mortgages on real property, which is what allows us to target the rates we do. Read how we protect capital for the full picture.

See all investor FAQs

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Complete the application and we'll follow up within one business day.

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