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Loan programs

Four products, one underwriting standard.

Every loan is first position, made to an entity, guaranteed personally, and sized against the property rather than your tax return. What changes between programs is the advance, the holdback structure and the exit we underwrite to.

Find your product
ProgramBuilt forTypical sizeTermMax advanceExit underwritten
Fix & flipRehabbers and flippers with a defined scope and a resale comp$100K–$400K6–12 mo65% of ARVSale of the finished property
Bridge & transitionalOwners repositioning, stabilising or converting an asset$150K–$500K12–18 mo70% as-isRefinance or sale on stabilisation
AcquisitionBuyers on a contract date — auction, estate, off-market$100K–$500K6–12 mo70% as-isRefinance into a renovation or rental loan
RenovationBuy-and-hold owners adding value to an asset they already own$100K–$350K9–18 mo65% of ARVRefinance into long-term rental debt

Advance limits and program sizes marked here are indicative and pending confirmation TBD. Every deal is sized on the lower of the two tests.

Program 01

Fix & flip

Purchase and renovation capital for residential or commercial investment property being taken from its current condition to a resale condition.

Who it is for

Rehabbers and flippers who can produce a line-item budget with contractor pricing and three finished comps on the same street or the next one.

Typical structure

Purchase advance wires at closing. Renovation sits in holdback and is released in three to five draws against completed, inspected work. Interest is charged on the drawn balance.

The exit we underwrite

Sale. We want the listing timeline inside the term with room to spare, and an ARV supported by closed sales, not by list prices.

Fix & flip · indicative
Loan size$100,000–$400,000
Term6–12 months
Rate9.5%–11.5%
Origination2–3 points
Max loan to ARV65%
Max loan to cost85%
Renovation holdbackDraws against inspected work
ExitSale
Program 02

Bridge & transitional

Short-term financing for a property that is between states — improving, stabilising, or changing use — and cannot yet support permanent debt.

Who it is for

Developers and commercial investors carrying an asset through vacancy, a tenant rollover, a conversion, or a lease-up that a bank will not underwrite until it is finished.

Typical structure

Sized on as-is value with an interest reserve where the property produces no income. Longer terms than a flip, because stabilisation takes longer than paint.

The exit we underwrite

A takeout lender's stated terms, or a sale. We would rather see a term sheet from the permanent lender than a projection.

Bridge · indicative
Loan size$150,000–$500,000
Term12–18 months
Rate9.9%–11.5%
Origination2–3 points
Max loan to as-is value70%
Interest reserveWhere the asset is unstabilised
ExitRefinance or sale
Program 03

Acquisition

Capital to secure a property when the constraint is the calendar — a contract date, an auction settlement, a seller who will not wait for a bank.

Who it is for

Investors competing on certainty of close: estate sales, courthouse auctions, assignments, portfolio buys and off-market deals sourced faster than financing can normally be arranged.

Typical structure

Purchase money only, no renovation holdback, sized against as-is value. Where a rehab follows, we convert to a renovation loan rather than making you close twice.

The exit we underwrite

Refinance into a renovation or rental loan, or resale. Short terms; we price for speed, not for duration.

Acquisition · indicative
Loan size$100,000–$500,000
Term6–12 months
Rate8.90%–10.75%
Origination1–2 points
Max loan to as-is value70%
Renovation holdbackNone — purchase money only
ExitRefinance or resale
Program 04

Renovation

Improvement capital against a property already in your portfolio, sized to what the work adds in value, rent and marketability.

Who it is for

Buy-and-hold owners taking a unit to a higher rent band, and commercial owners funding tenant improvements ahead of a lease.

Typical structure

Existing debt refinanced or subordinated so we hold first position, plus a renovation holdback released by draw. Same inspection standard as a flip.

The exit we underwrite

Refinance into long-term rental debt at the improved value, on a rent roll the takeout lender will accept.

Renovation · indicative
Loan size$100,000–$350,000
Term9–18 months
Rate9.5%–11.5%
Origination2–3 points
Max loan to ARV65%
PositionFirst deed of trust required
ExitLong-term rental refinance
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