Private Lending Programs for Investors, Builders, and Business-Purpose Borrowers

Hard money loans are built for deals that need speed and flexibility. We underwrite the property, leverage, and exit strategy so investors can move on opportunities that conventional lenders cannot handle on the right timeline.

Key Features

• Speed: Decisions in 24 hours, funding in 3-7 days
• Flexibility: No strict income requirements
• Loan Amounts: $70,000 to $5,000,000
• Loan-to-Value: Up to 75% LTV
• Term Length: 6 to 36 months
• Rates: Starting at 9.5%

Best For

• Fix and flip investors
• Property renovations
• Quick acquisitions
• Bridge financing needs

Our construction loans are built for ground-up projects, major renovations, and mid-construction scenarios that need a lender who understands draw timing, budgets, and project risk.

Key Features

• Ground-Up Construction: Financing for new builds from start to finish
• Mid-Construction: Take over existing projects
• Flexible Draws: Customized payment schedules
• Loan Amounts: $100,000 to $5,000,000+
• LTV: Up to 80% of completed value
• Terms: 12-24 months

What We Finance

• Single-family residential homes
• Multi-family properties
• Commercial buildings
• Mixed-use developments

Bridge loans give you short-term capital when speed matters: acquisitions, payoffs, refinance gaps, distressed timelines, or any deal where waiting could cost the opportunity.

Key Features

• Quick Closings: As fast as 3-5 days
• Flexible Terms: 6-24 months
• LTV: Up to 75%
• Interest-Only Payments: Maximize cash flow

Common Uses

• Property acquisition while arranging permanent financing
• Buying before selling current property
• Time-sensitive opportunities
• Refinancing out of existing hard money

Fix-and-flip financing is designed for investors who need to acquire, renovate, and exit efficiently. We can structure capital around both the purchase and the improvement plan so the project keeps moving.

Key Features

• Purchase + Rehab Financing: One loan covers both
• Up to 90% of Purchase: Minimize cash requirements
• 100% of Rehab Costs: Maximize your budget
• Interest-Only Payments: Improve cash flow
• Quick Closings: 5-10 days typical

Our Fix & Flip Process

1. Submit property details and renovation plan
2. Get approval and terms within 24 hours
3. Close and receive purchase funds
4. Draw renovation funds as work progresses
5. Sell or refinance upon completion

Cash-out refinance can turn trapped equity into working capital for acquisitions, business needs, renovations, or debt cleanup without selling the asset.

Key Features

• LTV: Up to 75% of current value
• Fast Processing: 7-14 days to close
• Owner-Occupied & Investment: Both qualify
• No Income Verification: Asset-based approval

Common Uses

• Fund down payments on new properties
• Consolidate high-interest debt
• Home improvements and renovations
• Business capital
• Investment opportunities

Land loans are built for borrowers acquiring raw land, infill lots, or development parcels where location, leverage, and exit timing matter more than a conventional bank checklist.

Key Features

• Loan Amounts: $70,000 to $5,000,000
• LTV: Up to 65% (varies by parcel + market)
• Terms: 6 to 24 months
• Fast Decisions: 24-hour approval

Best For

• Infill lots
• Entitlement and pre-development
• Land banking and short-term holds

Investment property loans support rental acquisitions, value-add holds, and stabilization strategies when you need a lender focused on the asset instead of paperwork drag.

Key Features

• Loan Amounts: $70,000 to $5,000,000
• LTV: Up to 75% (deal dependent)
• Terms: 6 to 36 months
• Flexible Exits: Hold, refi, or sell

Best For

• Single-family rental acquisitions
• Small multifamily (2–4 units)
• Value-add rental renovations

Second-position loans let you access additional capital while keeping a strong first mortgage in place. They work well for equity-rich borrowers who need speed without disturbing a low existing rate.

Key Features

• Keep Your First Mortgage: Don't lose your low rate
• Combined LTV: Up to 80% total
• Fast Approval: 3-7 days to close
• Flexible Use: Any legal purpose

When to Use a Second Mortgage

• Your first mortgage has a great rate
• Need additional capital quickly
• Want to avoid refinance costs
• Cross-collateralizing multiple properties