Seven states, one direct lender
We make business-purpose commercial bridge and hard money loans in seven states. Every loan is funded with our own money, and the people who review your deal make the decision, with no institutional capital and no outside committee in between.
What we offer in every state
Every loan is funded with our own money. As a balance-sheet lender, we have no institutional capital behind our loans and no outside committee to satisfy, so the people who review your deal make the decision. Expect limited paperwork, an in-house or BPO valuation with no full appraisal, no minimum credit score, and closings in about 2 weeks or less, subject to underwriting.
Loans typically run $100,000 to $2,000,000; smaller loans, and larger loans up to $5,000,000, are considered case by case. Rates are 10.99% to 12.99% (current typical range; subject to change, market conditions and underwriting), with 2 to 4 points, interest-only payments, up to 70% LTV or LTC on a first lien, and a term of 12 months, plus one optional 6-month extension.
Programs and property types
Outside our seven states?
We currently lend only in the seven states above. If your property is elsewhere, we are not the right lender for that deal.
1–4 unit residential investors
We also finance residential investment property: high-end residential properties and single-family rentals of 1–4 units. The property must be non-owner occupied (investment only), and loans are business-purpose and subject to underwriting.
What we don’t lend on
- Owner-occupied homes or any property the borrower will live in
- Loans for personal, family or household purposes
- Ground-up construction or land loans
- Second liens or mezzanine financing
- DSCR or long-term rental loans (we make bridge loans only)