Private Real Estate Credit · Southeast · Charlotte, NC
Capital Disciplined
by Experience.
Not Theory.
20+
Years originating & resolving Southeast real estate debt
6 C’s
Proprietary underwriting framework applied to every deal
2
Distinct fund vehicles — Income and Opportunity strategies
SE Focus
NC · SC · GA · TN · VA · FL — deepest in the Carolinas
Who We Work With
Three Distinct Relationships.
One Disciplined Framework.
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Family Offices & RIAs
Institutional Access to Southeast Private Credit
Two fund vehicles — Income and Opportunity — designed for allocators building private credit exposure outside public markets. Full strategy documentation and portfolio-level reporting available.
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SDIRA & Accredited Investors
Tax-Advantaged Private Credit
Deploy retirement capital in collateral-backed real estate credit instruments. Compatible with Traditional and Roth SDIRA structures through any qualified custodian.
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Banks & Servicers
Direct Buyer for Southeast Distressed Debt
GRIT acquires NPLs, sub-performing, and re-performing notes directly from Southeast bank and servicer portfolios. No broker intermediaries. Five-day tape-to-bid.
The Manager
Built in the Down Cycle.
Tested Across Two Decades.
Robert Napolitano founded GRIT Partners after two decades of originating, underwriting, and resolving real estate debt across the Southeast. His experience spans performing bridge loans, distressed note acquisitions, and NPL workouts — including through the 2008–2012 cycle when most private lenders exited the market.
That history is not a credential. It’s a methodology. The 6 C’s underwriting framework that governs every GRIT deal was built from direct observation of what causes private credit to fail — and what protects capital when it does.
20+
Years in Southeast Private Credit
Origination, underwriting, workout, and distressed note acquisition across the Carolinas, Georgia, Tennessee, and Florida
8+
Industry Conference Appearances
IMN, Deal Mastery Exchange, Fairway America SBRE Summit — NPL investing and private credit since 2014
2
Communities Founded
Charlotte Dealmakers and GRIT Capital Society — active deal and investor networks in the Southeast
6
Dimensions of Every Deal
Character, Credit/Credibility, Collateral, Capacity, Cash, Compensating Factors — the 6 C’s applied to every transaction GRIT underwrites
The Manager
Built in the Down Cycle.
Tested Across Two Decades.
Robert Napolitano founded GRIT Partners after two decades of originating, underwriting, and resolving real estate debt across the Southeast. His experience spans performing bridge loans, distressed note acquisitions, and NPL workouts — including through the 2008–2012 cycle when most private lenders exited the market.
That history is not a credential. It’s a methodology. The 6 C’s underwriting framework that governs every GRIT deal was built from direct observation of what causes private credit to fail — and what protects capital when it does.
20+
Origination, underwriting, workout, and distressed note acquisition across the Carolinas, Georgia, Tennessee, and Florida
8+
IMN, Deal Mastery Exchange, Fairway America SBRE Summit — NPL investing and private credit since 2014
2
Charlotte Dealmakers and GRIT Capital Society — active deal and investor networks in the Southeast
6
Character, Credit/Credibility, Collateral, Capacity, Cash, Compensating Factors — the 6 C’s applied to every transaction GRIT underwrites
Proprietary Methodology
The GRIT Framework —
The 6 C’s of Private Credit
GRIT Insights
Market Intelligence from the Field
Market Intelligence
The Southeast CRE Credit Squeeze: What Bank NPA Trends Are Telling Distressed Debt Buyers
Community and regional bank NPA ratios have been climbing quietly for six quarters. The real opportunity is in the multifamily and construction loan books of Southeast lenders who haven’t marked their problem assets yet.
Robert Napolitano · March 2026 · 8 min
SDIRA Education
What SDIRA Investors Get Wrong About Private Lending
Robert Napolitano · Feb 2026 · 10 min
Deal Structure
A/B Note Structures in Southeast Bridge Lending
Robert Napolitano · Jan 2026 · 7 min