From a $50K working-capital line to a nine-figure commercial acquisition, we structure capital across the full spectrum of real-estate and business lending. Pick the program that fits your deal — or call and let Jeff route it.
Most files follow the same four-step path. Urgent files compress it. Complex files extend it.
You submit the scenario form or call. Five minutes — we ask only what underwriting needs.
Within 24 hours on clean files. Real rate, real structure, in writing — not an estimate.
Appraisal, title, and conditions move in parallel. Your file gets a senior set of eyes.
Bridge files close in days, DSCR in weeks, commercial as fast as the appraisal allows.
Brokers and agents earn protected co-broker fees on every closed file. You stay the point of contact; we underwrite, fund, and pay at close.
Your client stays your client. We don't cross-market, don't poach, and don't sell their info to anyone.
Fees are disclosed on the term sheet and paid out of closing proceeds — no waiting, no chasing.
Brokers get a dedicated line to a senior underwriter. No call tree, no junior triage.
If you've got a deal three other shops have declined, send it here. We say yes more often.
Not for DSCR, bridge, or hard money. Those qualify on the property's cash flow and the value of the asset, not on your personal income documents. Business loans and some commercial programs do require income documentation.
It varies by program. DSCR rentals will go down to 660. Fix & flip and bridge can go lower with strong liquidity and experience. Foreign-national files don't require US credit at all.
Most lenders want to see liquidity equal to at least 10% of the loan amount. Some commercial scenarios require more. We'll tell you the threshold for your specific program before you waste time on the rest of the file.
Yes, and on investment property we recommend it. DSCR, fix & flip, bridge, and commercial all close in entity name. Owner-occupied loans close in personal name.
Both. We are direct lender on 1–4 unit residential, fix & flip, DSCR, and small-balance commercial. For larger commercial and specialty programs, we broker through 200+ active capital-partner relationships. You'll know which one applies before you sign anything.
Submit a quick loan scenario and Jeff will personally reply with written terms within 24 hours.