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Citizen Capital

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About us

ABOUT US

About Us

About Us

We are a Phoenix-based, private real estate lender that provides institutional execution with a boutique, tailored investment approach. We operate like a partner and drive performance to ensure the greatest likelihood of success. Our loans are funded to experienced real estate investors through a repeatable and efficient underwriting process. We invest private capital that is senior secured by real estate assets, providing unique, non-correlated yield to our capital partners. With decades of lending experience combined with a precision investment approach, we achieve strong risk-adjusted returns while maintaining its primary objective: Protection of Principal.

Our principals have originated over: 

200 senior-secured commercial real estate loans → $.5 Billion 

10 senior-secured business loans → $.3 Billion

We are process-oriented with a hyper-focus on precision over scale and quality over volume.

  • Lending to quality Borrowers combined with multiple exit strategies
  • Lending in major markets we can properly underwrite
  • Narrow focus on property types with measurable risk

ABOUT MICHAEL ZAJAS

ABOUT MICHAEL ZAJAS

- Underwritten over $1B in asset-backed real estate transactions.
- 20+ years of experience in direct private lending.
- Expertise in finance, manufacturing, technology, investment banking, mobile home parks, lending, and real estate development.

- Serial entrepreneur with successful ventures in diverse businesses.
- Interests in funds focused on private equity and real estate.
- Experience with challenging assets like hotels and senior living.

- Bachelor's degree in business from Arizona State University.
- Master's degree in Real Estate Development and Finance from Arizona State University.
- Completed Private Equity and Venture Capital executive program at Harvard Business School.
- Completed programs in Finance and Negotiations at Thunderbird School of Global Business.

- Currently serving as a board member of multiple non-profits and start-ups.

- Involved in investment real estate and mortgage industry since 2004.
- Licensed Real Estate Designated Broker in Arizona.
- Extensive experience in originating, processing, and evaluating loans, totaling more than $500 million

WHY CHOOSE US

We Provide Alternative Investments

24/7 Personalized Assistance

Whether you need guidance, clarification, or simply want to discuss investment options, we are here to provide you with personalized assistance. 

Smart Solutions

We analyze market trends, identify lucrative opportunities, and optimize your investment portfolio. With our smart solutions, you can stay ahead of the curve and make informed investment decisions.

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