Your deal,
funded.

Our minimum loan size is $1M. For deals below this threshold, we can point you in the right direction.

Bridge loans can close in 7–10 business days on clean files. Construction and DSCR loans typically take 3–4 weeks depending on complexity.

Our fee is 1–2% of the loan amount, paid at closing. No upfront fees, no commitment fees, no application fees. We only get paid when you get funded.

For an initial review: property address, purchase price or current value, loan amount requested, and a brief project description. We request additional documents as we move forward.

Yes, we fund across all 50 US states. Some loan products may have state-specific licensing or regulatory requirements, and we route accordingly.

Multifamily, mixed-use, retail, office, industrial, hospitality, SFR (1–4 units), land, and build-for-rent. Both stabilized and value-add properties.

Most programs require a minimum credit score of 660–680. Some bridge programs accept scores as low as 620. Higher scores (700+) typically qualify for better rates and higher leverage. DSCR loans focus primarily on the property's cash flow, so credit is secondary to property performance.

Bridge loans can close in 7–10 business days on clean files. The fastest closings happen when the sponsor has a clear exit strategy, the appraisal is straightforward, and all documents are submitted promptly. More complex deals may take 2–3 weeks.

LTV (Loan-to-Value) measures the loan amount as a percentage of the property's current appraised value, used for stabilized purchases and refinances. LTC (Loan-to-Cost) measures the loan as a percentage of total project cost (purchase + renovation/construction), used for value-add and construction deals. Typical LTV maximums: 75–80%. Typical LTC maximums: 85–90%.

Yes, all 50 US states. Most active markets: California, Florida, Texas, New York, Arizona, Georgia, Colorado, North Carolina, Illinois, Tennessee. Some programs may have state-specific requirements; we have financing options in every market.

A DSCR (Debt Service Coverage Ratio) loan qualifies based on the property's rental income, not the borrower's personal income. The DSCR is calculated by dividing the property's net operating income by the annual loan payments. A DSCR of 1.25x means the property earns 25% more than the loan costs. Most programs require a minimum DSCR of 1.0x–1.25x. No W-2s, tax returns, or personal income verification required.

Yes, we fund fix and flip loans covering both purchase and renovation costs. Typical terms: 8–12% interest rates, 6–12 month terms, up to 85–90% LTC, interest-only payments, no prepayment penalties. Close in 7–14 days. Experienced flippers qualify for better rates.

Within 24 hours, our team reviews your deal and contacts you with initial feedback. If the deal fits, we present 1–3 term sheet options. Once you select terms, we guide you through underwriting, appraisal, and closing. The full process takes 1–4 weeks depending on loan type.

Yes, all commercial real estate loans require borrower equity. Typical down payments: 20–25% for bridge and DSCR (75–80% LTV), 10–15% for renovation (up to 90% of purchase price), and 15–25% for construction (75–85% LTC). Some programs allow cross-collateralization to reduce cash out of pocket.

Yes, we operate a dedicated broker channel. We fund deals brokers bring through institutional and private capital, with standard NDA on file and a no-solicit commitment on every engagement. Broker compensation is agreed upfront in writing per deal. See /lenders for how the broker channel works.