The personal funding program is designed for potential businesses owners and startups to utilize more ways to get funding. Funds can be used however the borrowers see if. Even for personal use.

Here is an overview of the Personal Funding program:

• Minimum of 3 Open, Seasoned (at least 12 months), and Primary Revolving Lines.
• Minimum 680 Credit Score
• No More than 4 Inquiries per Bureau (we can work with more
depending on other factors) within the last 6 month
• BK Must be Over 5 Years
• Recent Late Payments, Judgments, Liens, etc. are Case by Case
• Up to $400,000 for each applicant in separate increments
• 36 to 72-month terms
• No prepayment penalties
• Additional 25k-50k for past and current military vets and relatives
• Interest rates start at 7% to 28% based off credit

The Collateralized business loan offers business loans secured by real estate owned by businesses owners and/or guarantors. An interest-only loan (“I/O”) is available for a 36-month term. The I/O loan allows a payoff after 6 months from funding without a prepayment penalty.

Each property is assigned a respective Combined Loan to Value Ratio (“CLTV”) within a given range determined by property type and
location. You can find the CLTV ranges on the current Pricing Summary. CLTV represents the percentage of total liens and encumbrances on the property (judgments, mortgages, tax liens, etc.) against the value of the property and includes the proposed loan in the calculation. The maximum permitted CLTV is determined at the property level.

Here’s an overview of the Collateralized Business loan program:

• Loan amount: $25,000-$2,000,000
• Collateral: Real estate
• Minimum credit: 500
• Payment term: Fixed daily or weekly
• Length: 6-36 months
• Minimum bank deposits: $10,000
• Penalty penalty: waived after 6 months on I/O loans

This unique program provides loans for equity recapitalization, subordinate debt and partner buy outs for LLC, LP, TIC, & DST interest on commercial properties nationwide. This allows real estate owners to monetize there existing equity while maintaining majority ownership and control of their commercial real estate without disturbing their existing mortgage debt.

Here’s an overview of the LLC, LP, TIC, & DST interest loan program:

• Loan size: $500K - $5 Million
• Geography: Nationwide
• Term: 1-3 Years
• Rates & Points: Contact for a quote
• Closing time: In as few as 2 weeks
• Entity types: LLC, LP, TIC, & DST
• Property types: Multifamily, office, retail, self-storage, industrial, & warehouse.

A rental property loan is a first lien mortgage loan secured by an SFR that is occupied by a tenant rather than an owner-occupier. To qualify, the property must be rent-ready. Typically the tenant is long-term, but rental property loans also can be used for short-term rentals, such as vacation rental.

Here is a breakdown of our Rental Loan program:

• Property type: Single Family Residential 2-4 Unit Residences, Condominiums, Townhomes, Multi-Family Apartments, Mixed Use Buildings (Min. 50% Residential)
• Loan amount: $50,000–$3,000,000
• Purchase: Up to 75% LTV
• Cash-out refinance: Up to 65% LTV
• Rate & terms on refinance: Up to 70% LTV
• Loan terms: 30 years fixed, full amortization
• Interest rates: Start at 5.9%

Commercial auto loans are used by businesses to buy vehicles needed for work-related operations, such as visiting clients, completing jobs, and transporting equipment, among others

Fix-and-flip loans are short-term loans used by real estate investors to purchase and improve a property to then sell for a profit. These improvements range from minor renovations to a complete reconstruction of an existing home. Fix-and-flip loans are used exclusively for residential real estate investments, so renovating a school, for instance, would not qualify for this type of funding.

Here is an overview of our Fix & Flip program:

• Property type: Single Family Residential, 2-4 Unit Residences, Condominiums, Townhomes, Multi-Family Apartments, Mixed-Use Buildings, (Min. 50% Residential), (Small Balance Commercial)
• Loan amount: $50,000 - $10,000,000
• Purchase: Up to 85% LTV
• Purchase & Rehab: Up to 85% LTV & Max. 70% ARV, 100% of Rehab Budget Min. 15% Down Payment
• Refinance & rehab: Up to 85% LTV, ARV 100% of Rehab Budget *On As-Is Value
• Cash-out refinance: Up to 65% LTV
• Rate & terms to refinance: Up to 65% LTV
• Loan term: 12 months,
• Interest rate: Starting at 8%

A bridge loan is a short term loan used until a person or company secures permanent financing or removes an existing obligation bridge loans are short term, up to one year, have relatively high interest rates, and are usually backed by some form of collateral, such as real estate or inventory