FAQ

Our Standard Loan runs 0.9% to 1.2% per month, interest only, with 2 to 3 points and a $495 processing fee. No prepayment penalties. Your exact rate depends on the deal and your track record with us. Clients in the Partner Program have access to preferred pricing.

Most deals close in 5 to 14 days from the time you send over what we need to do our work. If you're new to us, it will be to the longer side.  If you've worked with us before, it will be the shorter side.  If you request a quote, you'll hear from us within about 60 minutes during business hours. We don't run you through a loan committee.

Short-term bridge and light-rehab financing for real estate investors — fix-and-flip and similar business-purpose deals on non-owner-occupied property. We are not a bank and we don't do owner-occupied home loans.

We fund up to 80% of the as-is value at closing, and we generally cap the total loan at 70% of the after-repair value (occasionally up to 75% depending on other factors). We want you to have real equity in the deal — usually at least 10%. Those limits are deliberately more conservative than the "90% and 100% of rehab" you'll see advertised elsewhere. It keeps you out of trouble when a project runs long or a market softens, and it's a big reason our borrowers keep coming back.

Rehab money is held in escrow and released as you complete work. You submit photos of the finished work, we verify, and we fund the draw. No third-party inspector has to drive out and hold up your job. For Standard Loans we turn draws around quickly; for Partner Program members, draws are unlimited, free, and turned around within 24 hours (usually same day).

We're an asset-based lender, so the deal and the property come first. That said, we're a relationship lender, not a no-questions shop — we care who we're working with, because most of our borrowers come back for another loan. We'll talk through your experience and your plan for the property.

We stay away from ground-up construction, heavy structural or major systems overhauls, owner-occupied property, and deals where the numbers only work at maximum leverage. If a deal needs more rehab budget than the property can support, that's usually our signal to pass. We'd rather tell you that up front than fund a deal that hurts you.

If you're looking for the absolute highest leverage on the market, or you want a lender who never asks questions, we're probably not your best fit — and that's fine. We work with a small number of disciplined, experienced operators and we lend like it. If that sounds like you, we'd like to talk.

No. Most people start with a Standard Loan. The Partner Program is for repeat borrowers doing two or more projects a year who want concierge terms — membership pricing, unlimited free photo-verified draws, and 24-hour turnaround. Start Standard, and if it makes sense down the road, we'll talk about the Partner Program.

Request a quote and tell us about your deal. You'll hear back from us fast — usually within the hour during business hours — with real numbers, not a runaround.

Even though we are smaller than national lenders, that doesn't mean we're any less professional.  We use Enterpise grade software to manage your entire account.  You will have your own login with professoinal account statements and line-by-line details on every loan you do.

Very easily.  In fact, you don't even have to remember that.  Every loan is setup for automatic ACH and you payment comes out on the first of each month.