How quickly can you close? We can close in 3-5 business days for most loans.

What are the interest rates? “Prime+6” is our standard rate, which is 12.75% APR as of February 23, 2026. Other rates may apply to non-standard loans.

What are the fees? 2.5% of loan PLUS closing costs (usually$2000-$3000), all of which can be rolled into the loan amount to reduce the up front cash to close. The only “up front” cost is appraisal if required.

How much can I borrow? We offer loans from $75,000 to $1,000,000.

What loan terms are available? 12 months is our standard rate term, with no early payoff penalty. Terms of up to 24 months are available in certain circumstances.

What else do I need to close?

• Title to non-homestead real property for the loan collateral (can be acquired at time of purchase)

• For loans other than Cash Out, enough cash to satisfy Loan-To-Value (LTV), Loan-To-Cost (LTC), or Loan-To-After-Repair-Value (LT-ARV) limits and documentation supporting the development plan and exit strategy. See Loan Types for more details on cash requirements.