Rooster Capital vs All Terrain Capital
Understanding the difference between JV partnerships and hard-money lending
Key difference: Rooster Capital operates as a true JV partner—your profit split scales with speed, and success is mutual. All Terrain Capital is a hard-money lender—you pay fixed monthly interest and carry the entire execution risk.
These are fundamentally different funding models. This page explains the mechanics, costs, and which operators choose which path.
At-a-Glance Comparison
| Feature | Rooster Capital | All Terrain Capital |
|---|---|---|
| Funding Model | JV partnership (profit split) | Hard-money lending (fixed interest) |
| Loan Amount Range | $10K–$500K+ | $10K–$50K (same-day approvals) |
| Your Equity Share | 75% (0–45d) → 45% (181–300d) | 100% (you own all equity) |
| Monthly Cost | $0 (no monthly payments) | ~1–2% monthly (12–24% annually) |
| Approval Speed | 3–5 business days | Same-day to 24 hours |
| Minimum Deal Size | $10K | $10K |
| Risk Model | Shared (RC loses if deal fails) | Your risk (you repay regardless) |
The Numbers: XXX Operators, XX States
| Cost Scenario | Rooster Capital Profit | All Terrain Cost |
|---|---|---|
| $50K deal, flipped in 30 days | $37,500 your share (75%) | ~$1,500 interest paid to ATC |
| $100K deal, flipped in 60 days | $70,000 your share (70%) | ~$4,000 interest paid to ATC |
| $200K deal, held 120 days | $110,000 your share (55%) | ~$8,000 interest paid to ATC |
| $100K deal, deal stalls 6 months | $0 this month (shared overhead discussion) | ~$12,000 interest owed regardless |
Why the Difference Matters
Rooster Capital: The Partnership Model
How it works: You and RC share both the upside and the overhead. The longer you hold, the more of the profit is yours. But if the deal stalls or underperforms, RC absorbs the loss with you—no monthly bleed.
Best for: Operators who can execute quickly (flips in under 120 days). Your speed = your profit. Works especially well for sub-$100K deals where hard-money interest would eat 5–10% of gross profit.
Risk: You don't own 100% equity. On a $100K deal flipped in 30d, RC takes $30K, but you're also not carrying the execution risk alone.
All Terrain Capital: The Leverage Model
How it works: You own 100% of the deal. You pay 1–2% per month. Your monthly cost is fixed regardless of progress. Speed is rewarded (less interest), but delays are punished.
Best for: Operators who need same-day approval and want full control. Typically smaller deals ($10K–$50K) where turnaround is predictable and quick.
Risk: Interest accrues whether the deal moves or stalls. A 6-month hold costs you ~$12,000 on a $100K deal. You're liable for the interest regardless of outcome.
Which Should You Choose?
Choose Rooster Capital if:
- You can flip deals in 30–120 days
- You want zero monthly payments
- You prefer a partner who shares the risk
- Your deals range from $10K–$500K+
- You value guidance and operator community
Choose All Terrain Capital if:
- You need same-day approval
- You want to own 100% of the equity upfront
- Your deals are small ($10K–$50K) and predictable
- You can handle monthly interest payments
- You prefer a traditional lender relationship
The Math Check
On a $50K deal flipped in 30 days:
- Rooster Capital: You keep $37,500 (75% of profit)
- All Terrain Capital: You keep ~$48,500 (100% – ~$1,500 interest)
All Terrain wins on this speed. But on a $200K deal held 180 days:
- Rooster Capital: You keep ~$90,000 (sliding scale after 120d)
- All Terrain Capital: You keep ~$76,000 (100% – ~$24,000 interest)
Rooster Capital wins when holds extend. The inflection point is roughly 60–90 days.
Ready to get started?
Talk to the Rooster Capital team. We'll walk through your typical deal timeline and show you exactly how the profit split works for your scenario.
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