Private Lending

Bridge Loans & Hard Money Financing

Our private lending solutions provide fast, flexible financing outside traditional banking channels. Whether you're closing quickly on an investment property or need capital for a time-sensitive opportunity, our network of private lenders delivers.

Funding in as little as 3-7 business days
Asset-based qualifying (property value over credit score)
Short-term loans from 6-24 months
Ideal for fix-and-flip, rental properties, and commercial deals

Get Fast Approval

Business handshake after successful deal

Best For:

• Real estate investors
• Property flippers
• Commercial property acquisitions
• Time-sensitive opportunities
• Borrowers with complex income situations

Alternative Lending

Solutions for Unique Financial Situations

Traditional banks reject applications based on rigid formulas. Our alternative lending partners look at your complete financial picture—bank statements, asset documentation, and your story—to find a path to approval.

Bank statement loans for self-employed borrowers
Stated income loans (no tax returns required)
Foreign national and expat financing
No doc and low doc options available

Explore Options

Loan and lending cash for asset purchase concept

Best For:

• Self-employed individuals
• Freelancers and contractors
• Business owners with variable income
• Recent immigrants or expats
• Those with recent credit events

Refinancing

Lower Rates & Access Your Equity

Whether rates have dropped or your credit has improved, now might be the perfect time to refinance. Pull out your home's equity for renovations, debt consolidation, or investment—or simply reduce your monthly payment.

Rate-and-term refinancing to lower payments
Cash-out refinancing up to 90% LTV
Investment property refinancing available
Streamlined approvals for qualified borrowers

Lower Your Rate

Best For:

• Homeowners with existing mortgages
• Those with 6%+ current rates
• Property owners with equity to access
• Investors looking to optimize cash flow
• Anyone wanting to consolidate high-interest debt

Debt Consolidation

Simplify & Save with One Monthly Payment

Turn multiple high-interest payments into one manageable bill. By consolidating credit cards, personal loans, and other debt into your mortgage, you could save thousands in interest and pay off debt faster.

Potentially reduce interest rates by 10-20%
Single payment instead of multiple bills
Improve credit score with on-time payments
Free up monthly cash flow

Consolidate Debt

Financial calculations on paper with calculator and pen

Best For:

• Credit card holders with high balances
• Borrowers with multiple loans
• Those paying 15-25%+ on existing debt
• Homeowners building equity
• Anyone seeking simplified finances

Second Mortgages

Home Equity Loans & Lines of Credit

Tap into the equity you've built in your home without refinancing your existing mortgage. A second mortgage lets you borrow against your home's value while keeping your current favorable rate intact.

Home equity loans: lump sum with fixed rates
HELOCs: flexible credit line as needed
Keep your existing low mortgage rate
Up to 85% combined LTV available

Access Your Equity

House model on heap US dollar banknotes home equity concept

Best For:

• Home improvements and renovations
• Major purchases or investments
• Education expenses
• Debt consolidation at lower rates
• Emergency funds access (HELOC)

Construction Financing

Build Your Vision from the Ground Up

From custom homes to commercial developments, our construction financing solutions provide the capital you need throughout the building process. Benefit from draw schedules that match your construction timeline.