For Borrowers
Capital for your next project — closed in as little as 7 days.
We fund short-term first-lien loans on non-owner-occupied real estate in Ohio. Underwriting happens in-house, so decisions are fast and terms are clear.
- Fix & flip, bridge, new construction, and rental refi
- In-house underwriting on every deal
- 24-hour first response, closings in 7–14 days
Loan programs
Four programs. One relationship.
Every loan is short-term, first-lien, and structured around your exit.
Fix & Flip
Short-term capital to buy, renovate, and resell an investment property.
Bridge Loan
Fast capital to close on a property while long-term financing catches up.
New Construction
Ground-up construction financing on non-owner-occupied residential builds.
Rental Refinance
Refi capital to cash out a stabilized rental — or take out an existing rehab loan.
Our underwriting process
A rigorous six-step review — nothing skipped.
Every deal goes through the same six-step review. That's how we protect capital and hit our terms.
Borrower review
We evaluate your experience, background, and prior project portfolio.
Project analysis
Scope of work, renovation plan, budget, and timeline for feasibility.
Property evaluation
Current condition, comparable sales, ARV, purchase price, and repair costs.
Financial review
Liquidity, credit, and financial capacity to complete the project.
Risk assessment
Market conditions, exit strategy, and any adjustments needed to protect the deal.
Final approval & terms
Loan amount, interest rate, fees, and term sheet prepared for your review.
Rates & terms at a glance
Straightforward numbers, no surprises.
What we'll ask for
A short docs checklist to start.
- Business entity documentation (operating agreement or articles of incorporation)
- Driver's License or other government-issued photo ID
- Credit report (score and factors)
- Purchase agreement and any addenda
- Scope of work
- Proof of property insurance
Answers to your questions
The six things borrowers ask us most.
We take pride in our quick turnaround times. You can expect a first response within 24 hours.
We offer loans up to 65% LTV, based on the property's after-repair value (ARV).
Our standard loan term is 12 months.
No. We do not lend on owner-occupied properties. However, if you own a property you wish to refinance for repairs — and it is not occupied — we are happy to assist.
All borrowers are required to borrow as a business entity and provide a personal guarantee.
Interest payments are due by the 1st of each month. Invoices are accessible through our Borrower Portal.
Apply for funding
Send us the basics. We'll come back with a term sheet in 24 hours.
Start an application