Frequently Asked Questions

No. Everything we do is business-purpose and non-owner-occupied — investment property only. If you plan to live in it, we're not the right fit.

It depends on the deal, the appraisal, and how quickly we get what we need from you. Clean files move faster. Once we have a complete package, we push hard to get you to the closing table without the runaround.

Most of them. Lending rules vary by state, so a few have restrictions or aren't available. If your property is in California, Arizona, Nevada, Vermont, or the Dakotas, reach out first and we'll tell you what's possible. In Minnesota, Oregon, Idaho, and Utah we work on commercial and 5+ unit multifamily only.

Not for fix & flip — first-timers are welcome. Ground-up construction does require some track record, generally one to two prior builds. Every deal is judged on its own merits.

It varies by product. Fix & flip has no minimum FICO requirement. Rental (DSCR) and bridge loans generally start at a 660 FICO; rental portfolios at 680. Stronger credit gets you better pricing.

Yes. Our loans are full recourse and require an entity borrower — an LLC or corporation — with a personal guarantee. We don't lend to individuals in their own name.

No. You need real equity in the deal and cash reserves to carry it. 100% financing requests are a non-starter. We're happy to tell you upfront what leverage a deal can support.

In practice, not much. Both describe loans from private lenders rather than banks, sized mainly on the property and the deal. "Hard money" usually means short-term, asset-based loans like fix & flip and bridge. "Private money" is the broader term. We make both kinds, plus long-term DSCR rental loans.

A loan made for an investment or business purpose — buying, renovating, renting, or building investment property — rather than for a home you live in. Every loan we make is business-purpose and non-owner-occupied.

Our loans are made to entity borrowers, not to individuals in their own name. It keeps the loan business-purpose and the property held the way investment property should be. Our guide on why lenders require an LLC covers the details.

It means the personal guarantee is real: if the loan goes bad and the property doesn't cover what's owed, the guarantor is on the hook for the difference. All of our loans are full recourse.

We don't just say no. If it doesn't fit what we fund directly, we package it and place it with lenders in our network who want exactly that asset type and market. If it isn't fundable as submitted, we'll tell you why and what would change that.

Yes. You'll see all points and fees in writing and sign off before anything moves forward. No surprises at the closing table.

Yes. Our referral partner program splits our share of the origination fee with you 50/50 on every deal you send that funds, paid by ACH the week it closes.

Yes — working capital, business term loans, lines of credit, equipment financing, revenue-based funding, invoice factoring, and debt consolidation. You'll need at least 1 year in business, $35,000 in monthly revenue, and a 500 FICO. See business funding.