Real Estate Credit, Capital Preservation, and Long-Term Investing

Business Leaders of America Podcast Featuring Will Harvey Founder of Harvey Capital Episode Overview In this episode of the Business Leaders of America Podcast, we sit down with Will Harvey, Founder of Harvey Capital, a private real estate credit firm focused on real estate lending, investing, and disciplined capital management. Will began his career in 2015 as a residential loan officer before transitioning into real estate investing, house flipping, syndications, and eventually building Harvey Capital. Today, the firm originates first-lien bridge loans to real estate investors and acquires owner-financed notes nationwide. In this conversation, Will breaks down how his early experience in the mortgage business shaped the way he thinks about risk, capital allocation, and long-term wealth creation. He shares why he ultimately left the traditional lending world to build something of his own, what he learned from flipping houses, and how many of the best opportunities in his career came from unexpected situations rather than carefully planned strategies. Will also explains the philosophy behind Harvey Capital and why he prioritizes capital preservation, margin of safety, patience, and disciplined underwriting over chasing trends or forcing deals. He discusses why he prefers credit over equity in the current market environment, how he evaluates asymmetric risk-reward opportunities, and why long-term thinking gives investors a major advantage in a world driven by short-term gratification. Throughout the episode, Will shares practical insights on raising capital, aligning interests with investors, identifying mispriced opportunities, and how artificial intelligence is beginning to reshape real estate investing and underwriting. From public-private real estate arbitrage to first-lien lending and long-term investing discipline, this episode offers valuable lessons for anyone interested in building wealth through real estate and intelligent capital allocation. Notable Awards and Recognitions • Founder of Harvey Capital, a private real estate credit firm • Originated 29 real estate loans with zero principal losses • Built investment strategies focused on public-private real estate valuation discrepancies • Experienced across residential lending, house flipping, syndications, real estate credit, and public market real estate investing • Invests alongside partners in every fund managed, emphasizing alignment of interests How to connect with Will Harvey LinkedIn: https://www.linkedin.com/in/will-harvey-8751503b8/ Website: https://harvey-capital.com Email: [email protected] Show Notes 01:20 — Getting started in real estate Why Will was drawn to commission-based work and the appeal of uncapped income potential 03:00 — Leaving the traditional lending world Why he stepped away from being a W-2 employee to build something of his own 05:00 — Accidentally getting into house flipping How an unexpected opportunity turned into a successful house flipping business 08:00 — Developing an investment philosophy Why patience, unemotional decision-making, and long-term thinking became foundational principles 10:30 — Holding cash instead of forcing deals How Will manages investor expectations while waiting for the right opportunities 13:00 — Understanding first-lien bridge loans Why Harvey Capital focuses on credit and downside protection instead of equity positions 17:30 — Investing alongside partners How alignment and having personal capital invested changes decision-making 19:30 — Knowing when to exit investments The thought process behind exiting a highly profitable real estate opportunity before the upside disappeared 24:00 — Deploying $10 million today Where Will would focus capital over the next 12–24 months and why 25:30 — AI and the future of investing How artificial intelligence is changing underwriting, research, and investment analysis in real estate Learn more about your ad choices. Visit megaphone.fm/adchoices