About Ironclad Capital
Built on Integrity. Driven by Precision.
For over two decades, Ironclad Capital has operated as a private lending institution with a singular focus: delivering asset-based financing with the speed, transparency, and reliability that borrowers deserve.
Our Story
Founded on a Simple Belief
Ironclad Capital was founded in 1999 by a team of former commercial bankers and private equity professionals who believed the lending industry had lost sight of the borrower. Traditional institutions had become slow, bureaucratic, and increasingly disconnected from the real-world needs of individuals with significant assets but unconventional financial profiles.
We built Ironclad Capital to be different. From day one, our model has been straightforward: evaluate what a borrower owns, not just what they earn. Lend against real value. Move with purpose. And stand behind every commitment we make.
Today, Ironclad Capital is licensed in all 50 states and has funded over $500 million in asset-backed loans. We remain privately held, which means our decisions are made by experienced professionals — not committees, not algorithms, and not quarterly earnings targets.
1999
Year Founded
New York, NY
Headquarters
All 50 States
Licensed In
Our Principles
What We Stand For
Transparency
Every loan offer we issue is written in plain language. No hidden fees, no bait-and-switch terms. What we present is what you sign.
Speed with Integrity
We move fast — but never at the expense of accuracy or fairness. Our underwriting is thorough because your collateral deserves a proper evaluation.
Borrower-First Thinking
We evaluate each situation individually. If a loan isn't right for you, we'll tell you. Our reputation is built on relationships, not transaction volume.
Private & Accountable
As a privately held institution, we answer to our clients — not shareholders. That independence allows us to make decisions based on merit, not market pressure.
Leadership
The Team Behind the Institution
Our leadership team brings together decades of experience across private equity, commercial banking, real estate finance, and asset management.
Richard Harmon
Founder & Chief Executive Officer
Richard founded Ironclad Capital in 1999 after 15 years in commercial banking at two of the nation's largest financial institutions. He holds an MBA from Wharton and has personally overseen more than $200 million in loan originations.
Margaret Osei
Chief Lending Officer
Margaret leads underwriting and loan origination across all programs. With 20 years in asset-based lending and a background in real estate private equity, she brings institutional rigor to every credit decision.
Daniel Reyes
Chief Operating Officer
Daniel oversees operations, compliance, and technology infrastructure. He previously served as COO of a regional REIT and holds a JD from Georgetown Law, with a focus on secured transactions and financial regulation.
Sophia Chen
Head of Client Relations
Sophia manages borrower relationships from initial inquiry through loan maturity. Her background in private wealth management ensures that every client receives the attention and discretion their situation demands.
Credentials & Reach
Licensed, Regulated, and Nationwide
All 50
States Licensed
$500M+
Total Funded
25+
Years in Operation
NMLS
Registered Lender
Ironclad Capital is a licensed private lending company. NMLS #XXXXXXX. All loans subject to credit approval and applicable state regulations. Loans made or arranged pursuant to applicable state lending licenses.
Work With a Lender You Can Trust
Our loan officers are available to discuss your situation, evaluate your assets, and deliver a clear offer — no obligation.