START YOUR LOAN APPLICATION HERE

You can obtain information on our loan programs and begin the conversation about financing for your next project by giving us a call at (443) 783-3928 or by filling out the form below.

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REAL ESTATE LENDING
New Construction Financing
Obtain financing for ground-up construction projects.

Loan Criteria:
• Collateral: Non-Owner Occupied Single-Family Properties, Condos, Townhomes
• Term: 12 to 24 Months
• Loan Amount: $100K – $2M
• LTV:
 – Up to 75% of the As-Is Value
 – Up to 75% of the After-Repair Value
 – Up to 90% Total Loan-to-Cost
• Minimum Property Value: $150K (As-Completed Value)
• Credit Score: 650 Minimum
Short-Term Vacation Rental Program
Purchase, refinance, and cash-out options for vacation rental properties.

Loan Criteria:
• Collateral: Non-Owner Occupied 1–4 Family Real Estate, Condos, Townhomes
• Term: 30 Years
• Amortization Options:
 – 30-Year Fixed
 – Hybrid ARMs (5/1, 7/1, 10/1)
 – 5 & 10-Year Interest-Only
• Loan Amount: $75K – $2M (Minimum Property Value: $100K)
• Credit Score: 660 Minimum
Long-Term Multi-Family Financing
Obtain long-term financing for 5 to 20-unit apartment buildings.

Loan Criteria:
• Collateral: Multi-Family Apartment Buildings (5–20 Units)
• Term: 30 Years
• Amortization Options: Hybrid ARMs (5/1, 7/1, 10/1), Interest-Only Available
• Loan Amount: $250K – $2.5M
• LTV:
 – Purchase: Up to 75% of As-Is Value or Loan-to-Cost
 – Refinance: Up to 70% of As-Is Value
 – Cash-Out: Up to 70% of As-Is Value
• Credit Score: 660 Minimum
Short-Term Multi-Family Financing
Short-term financing for apartments and mixed-use buildings.

Loan Criteria:
• Collateral:
 – Multi-Family Apartments (5+ Units)
 – Mixed-Use (Residential > 50% of square footage)
• Term: 18 Months
• Loan Amount: $250K – $10M ($1M Max Per Unit; $35K/door min. value)
• LTV:
 – Stabilized Bridge:
  • Purchase: Up to 75% As-Is Value
  • Refinance: Up to 70%
  • Cash-Out: Up to 65%
 – Fix & Flip:
  • Purchase: Up to 80% Purchase Price + 100% Rehab
  • Refinance: Up to 70% As-Is + 100% Rehab
  • Cash-Out: Up to 65% As-Is + 100% Rehab
• Credit Score: 620 Minimum
Long-Term Rental Financing
30-year rental financing for investment properties.

Loan Criteria:
• Collateral: Non-Owner Occupied 1–4 Family, Condos, Townhomes, PUDs
• Term: 30 Years
• Loan Amount: $65K – $1.5M
• LTV:
 – Purchase: Up to 80% As-Is or Loan-to-Cost (whichever is less)
 – Refinance: Up to 80% As-Is
 – Cash-Out: Up to 75% As-Is
• Property Value: Must be > $100K (As-Is)
• Credit Score: 620 Minimum
• DSCR: 1.10
Bridge Loan Program
Hard money loans for short-term investor financing nationwide.

Loan Criteria:
• Collateral:
 – Non-Owner Occupied 1–4 Family & Multi-Family
 – Condos, Townhomes
 – 5+ Unit Apartments
 – Mixed-Use Properties
• Term: 12–18 Months
• Loan Amount: $50K – $10M
• LTV:
 – Purchase: Up to 75% Purchase Price or 80% Loan-to-Cost (whichever is less)
 – Refinance: Up to 70% As-Is
 – Cash-Out: Up to 65% As-Is
• Credit Score: 620 Minimum
Fix & Flip Financing
Financing for purchase + renovation costs.

Loan Criteria:
• Collateral: Non-Owner Occupied 1–4 Family, Condos, Townhomes
• Term: 12 Months
• Loan Amount: $50K – $7.5M
• LTV:
 – Up to 85% Purchase Price + 100% Renovation Costs
 – Not to exceed 70% of After-Repair Value (ARV)
• Property Value: Must be > $50K (As-Is)
• Credit Score: 620 Minimum
• Experience: Not required, but affects leverage & pricing
BUSINESS LOANS
SBA Loan
A hard money loan intended for new and experienced real estate investors seeking funding for short-term financing nationwide.
Unique Benefits

• $5 Million Max Funded Amount
• Approvals: 1-5 Days, Funding 4-10 Weeks
• SBA 7a: 10 Year Term SBA 504: 25 Year Term
• Rate: Prime + 1% - 2.75%
• Monthly Payments
• No Prepayment Penalty
• Reports to Business Credit Bureaus

Qualifications

• 2 Years Time in Business
• 660+ FICO
• $40,000 Deposited Monthly in Business Bank
Account or $500,000 Annual Sales
• No BKs/Liens/Foreclosures in Last 3 Years

Call 443-783-3928 to apply
Business Term Loan
Unique Benefits

• $10 Million Max Funded Amount
• 1 - 2 Year Terms
• Weekly/Monthly Payments
• No Prepayment Penalty
• Refinance up to 2 Loans
• Could Report to Business Credit

Qualifications

• 2 Years Time in Business
• 600+ FICO
• $500,000 Annual Sales or $40,000
Deposited Monthly
• Business Bank Account

Call 443-783-3928 to apply
Business Line of Credit
Unique Benefits

• $750,000 Max Line of Credit
• Approved Amount Based on Cash Flow
• Same Day Funding Available
• Only Pay for What You Use
• Weekly/Monthly Payments
• True Revolver; Each Payment Frees Up
Additional Available Funds

Qualifications

• 1 Year Time in Business
• 600+ FICO
• $500,000 Annual Sales or $40,000
Deposited Monthly
• Business Bank Account

Call 443-783-3928 to Apply
Business Advance
Unique Benefits

• $10 Million Max Funded Amount
• Approved Amount Based on Cash Flow
• Same Day Funding Available
• 6 - 24 Month Terms Available
• Daily/Weekly/Monthly Payments
• Early Payoff Discounts Available

Qualifications

• 1 Year Time in Business
• No Minimum FICO
• $500,000 Annual Sales or $40,000
Deposited Monthly
• Business Bank Account

Call 443-783-3928 to Apply
Sub Debt
Unique Benefits

• $10 Million Max Funded Amount
• 1 - 2 Year Terms
• Approved Amount Based on Cash Flow
• Rates Starting at 15% - Up to 24 Month Terms
• Subordinate 2nd Lien Behind Senior Lender
• No Collateral coverage, No equity, No
warrants, & No covenants

Qualifications

• 1 Year Time in Business
• 600+ FICO
• $1 Million in Annual Sales

Call 443-783-3928 to Apply!
Equipment Financing
Unique Benefits

• $5 Million Max Funded Amount
• 1 - 5 Year Terms
• Rates Start at 7%
• 100% Financing Available
• Purchase & Leasing Options
• Vender & Private Sales

Qualifications
• 1 Year Time in Business
• 550+ FICO
• Business Bank Account Required
• Invoice Required

Call 443-783-3928 to Apply
Account Receivable Line of Credit
Unique Benefits

• Facility Size: $100,000 - $100,000,000
• Revolving Line of Credit
• Line of Credit Amount Fluctuates as
outstanding A/R Fluctuates
• Rates Starting at Prime + 2%
• Up 95% Financing of Current A/R
• 7+ Days Application to Funding

Qualifications
• 1 Year Time in Business
• No Minimum FICO
• $1 Million in Annual Sales
• $250,000+ in A/R on Short Terms

Call 443-783-3928 to Apply
Inventory Line of Credit
Unique Benefits
• Facility Size $100,000 - $10,000,000
• Revolving Line of Credit
• Line of Credit Amount Fluctuates as
Inventory Fluctuates (up and down)
• Rates Starting at Prime + 2%
• Up to 85% Financing of Inventory

Liquidation Value
• 7+ Days Application to Funding

Qualifications
• 1 Year Time in Business
• No Minimum FICO
• $1 Million in Annual Sales
• $1 Million in Current Inventory

Call 443-783-3928to Apply
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