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Founder · Direct Line

Capital You Can Actually Reach.

Most lenders put a call center between you and the decision. Jeff LaVigne built this differently — direct access to the person who structures your deal, from the first call to the wire.

JL
Why People Call Jeff

A Lender Who Picks Up
the Phone.

  • Direct lender on 1–4 unit residential, fix & flip, DSCR, and small-balance commercial deals
  • 200+ active lender and capital-partner relationships for deals beyond direct-lend criteria
  • Same-day term sheets on clean files — with the actual rate and structure, not a quote-engine guess
  • One point of contact from first call to wire — no handoffs, no “let me find the file”
  • $788M+ funded across all 50 states, from $50K working capital to nine-figure acquisitions
The Origin

How This Started

Jeff started lending the way most operators start lending — because he kept running into the same problem from the borrower side. Good deals were dying on the table while the wrong lender slow-walked them, or ran them through underwriting that didn't understand the property type, or simply stopped returning calls when the deal got complicated.

So he built the other side of that experience. Direct access. Real underwriters. Capital sources for every kind of file. And a written response within 24 hours — not a "we'll get back to you next week" black hole.

That promise hasn't changed. You call, Jeff answers. If he's on another line, you'll have him back within the hour.

What's grown is the network behind him: 200+ lender relationships, dedicated capital lines for fix & flip and DSCR, and senior underwriters who can structure deals other shops would decline at first glance. The result is a lender that operates like a small boutique on the phone and like a national capital desk on the back end.

$788M+
Capital Deployed
750+
Deals Funded
50
States Served
200+
Lender Partners
24hr
Written Response
What Jeff Personally Handles

Files That Land on His Desk

Smaller, standard scenarios route through the team. These come straight to Jeff.

Deals Over $750K

Larger commercial and investment acquisitions where structure matters as much as rate. Jeff walks these from first call to close.

Tight Timelines

Anything closing in 10 days or less. Bridge files, auction bids, expiring contingencies — the kind of deal that needs a decision today.

Complex Files

Foreign nationals, multi-property portfolios, ground-up construction, unusual property types — the deals other shops decline because the box is too narrow.

Broker & Referral Files

If you're a broker or agent bringing a deal, you work with Jeff directly. Co-brokers get protected, paid, and looped in through close.

The Network

More Than One Site, One Mission

Jeff operates a small family of focused brands. Same underwriting, same phone number, different doors for different deals.

Speed

24HourLoanApproval.com

Written terms within 24 hours on clean files. The flagship for fix & flip, DSCR, bridge, and small commercial.

Investors

LendInvestors.com

AI-assisted intake for repeat investors and portfolio builders. Faster matching for deals you've already pre-shaped.

Education

InvestorsFundingGuide.com

Free resources for new and intermediate investors — how programs actually work, what underwriters look for.

Scale

UpTo100Million.com

You're here. The door for larger commercial, ground-up construction, and nine-figure scenarios.

Text or Call (470) 237-7140 — Jeff LaVigne, Direct Line

Ready to Fund Your Next Deal? Let's Talk.

Submit a quick loan scenario and Jeff will personally reply with written terms within 24 hours.