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    Direct Lending

    Direct, Non-Bank Commercial Real Estate Lending

    Business and investment-purpose loans for time-sensitive or complex scenarios, nationwide. We specialize in deals that require speed, flexibility, and creative structuring.

    Programs Overview

    We offer a range of lending programs designed for business-purpose commercial real estate transactions. Each program can be tailored to your specific needs.

    Bridge Loans

    Short-term financing for time-sensitive transactions and interim needs.

    1031 Exchanges

    Bridge financing to accommodate 1031 exchange timelines.

    Build-To-Suit NNN

    Financing for single-tenant construction and development.

    Commercial

    Loans for income-producing commercial properties.

    Multifamily

    Financing for apartment buildings and multifamily properties.

    Fix & Flip

    Short-term loans for renovation and resale projects.

    Portfolio Loans

    Financing for multiple properties under one structure.

    Alternative Financing

    Creative solutions for non-standard scenarios.

    Products & Guidelines

    The following guidelines are indicative. Actual terms depend on the specific property, borrower, and market conditions. We evaluate each deal on its merits.

    Loan Parameters

    Loan Amounts: $300,000 – $10,000,000+

    LTV: Up to 65%

    Rates: Starting at 8.99%

    Discount Points: 1.5% +

    Terms: 6 months to 5+ years

    Amortization: Interest-only and fixed options

    Eligible Property Types

    • Retail strip centers

    • Residential investments

    • Luxury residential (investment)

    • Multi-family

    • Condominiums (investment)

    • Light industrial

    • Mixed-use

    • Office buildings

    • RV / mobile-home parks

    • Churches

    • Special purpose

    Geographic Focus

    Metro areas nationwide, selectively.

    Special Situations

    • Low occupancy and stabilization

    • Balloon payoff and maturity solutions

    • Credit challenges, bankruptcy, foreclosure bailouts

    • Discounted payoff financing

    • 1031 exchange bridge loans

    • Bank turndowns and urgent closings

    • REO acquisitions

    • Partner buyouts

    • Note purchases (performing and non-performing)

    All terms are indicative and subject to underwriting, documentation, and legal review.

    Process

    How It Works

    01
    Share the Basics

    Property address, estimated value, loan request, occupancy, and existing liens. We keep it short.

    02
    Fast Screening

    Our team reviews your submission and requests any missing items to move forward.

    03
    Underwrite

    Third-party reports and documentation review; timing depends on complexity.

    04
    Close & Fund

    Subject to final approvals, documentation, and legal review.

    Timelines depend on borrower preparedness, third-party reports and deal complexity.

    FAQ

    Frequently Asked Questions

    Do you lend nationwide?
    Yes, selectively; availability varies by deal, property type, licensing and underwriting.
    Minimum and maximum loan size?
    Typically $300K to $10M+. Larger transactions may be arranged case-by-case.
    How fast can you close?
    Depends on borrower preparedness, third party reports and complexity; we typically close 3-10 days following receipt of all requested documentation.
    Do you finance owner-occupied primary residences?
    No. Business and investment purpose only. We do lend on owner-occupied commercial property, a business that owns and operates from its own building is eligible.
    What LTV can you do?
    Typically up to approximately 65%; exceptions possible based on underwriting.
    What loan types are available for investment real estate?
    We offer bridge loans, 1031 exchange financing, build-to-suit NNN, commercial and multifamily loans, fix-and-flip, portfolio loans, and alternative financing for non-standard scenarios.
    How much can I borrow and what is the maximum LTV?
    Loan amounts typically range from $300,000 to $10,000,000+, with LTVs up to approximately 65%. Larger or more complex transactions may be structured case-by-case.
    How quickly can I close?
    Timelines depend on borrower preparedness, third-party reports, and deal complexity. Once we have all requested documentation, we typically close within 3–10 days.
    What do I need to qualify, and what documents are required?
    We review the property, the borrower or sponsor's experience, and the exit strategy. Typical items include a completed loan application, property information, rent roll or operating statement, and a clear use-of-funds plan. We also work with borrowers who have complex financials or limited documentation.
    Can I get a loan if I have credit challenges or a recent bankruptcy?
    Yes. We evaluate the overall deal, property equity, and exit strategy, not just credit score. We regularly finance borrowers facing credit challenges, foreclosure bailouts, bank turndowns, and other special situations.

    Ready to Get Started?

    Submit your loan request and our team will review it promptly.

    Business/investment purpose only; not for consumer or primary-residence loans. Information herein is informational and not a commitment to lend. All transactions are subject to underwriting, documentation, and legal review.