Loan Programs
Capital Structured Around Your Deal.
We offer four core loan products built for real estate investors and developers in the Memphis Metro and North Mississippi markets. Fast approvals, local underwriting, and terms that make deals work. Our experience and advice are FREE!
Buy, renovate, and sell — fast.
Fix & Flip
Our fix-and-flip loans are designed for investors who move quickly. We fund the purchase and up to 100% of rehab costs, with draws released as work is completed. No seasoning requirements, no prepayment penalties.
Eligibility
- First Time investors welcome!
- Property must be non-owner occupied
- Memphis Metro or North Mississippi location
- Minimum credit score: 620
Loan Terms
Rates and terms are subject to change. All loans for investment purposes only.
TRANSACTUAL FUNDING between the purchase and sale.
Bridge Loans
When timing is everything, our bridge loans give you the capital to buy the property and immediately sell it that same day! Short-term, flexible, and structured around your purchase and sale agreements. A WHOLESALER'S DREAM LOAN!
Eligibility
- Clear exit strategy required (sale agreement with earnest money paid)
- Non-owner occupied residential or commercial
- Memphis Metro or North Mississippi location
- Minimum credit score: N. A.
Loan Terms
Rates and terms are subject to change. All loans for investment purposes only.
Qualify on cash flow, not income.
Rehab & Refi Loans
Ideal for investors building a long-term portfolio. Let us help you structure your loan to maximize your cash flow when it is refinanced.
Eligibility
- Property must be non-owner occupied
- Single-family, 2–4 unit, or small multifamily
- Memphis Metro or North Mississippi location
- Minimum credit score: 620
Loan Terms
Rates and terms are subject to change. All loans for investment purposes only.
Ground-up builds, funded in draws.
Construction Loans
For developers building from the ground up, our construction loans fund land acquisition and vertical construction in a single loan. Draws are released at each stage of completion, keeping your project moving.
Eligibility
- Approved plans and draw schedule required at closing
- Licensed general contractor required
- Memphis Metro or North Mississippi location
- Minimum credit score: Depends on your exit strategy. Generally 640.
Loan Terms
Rates and terms are subject to change. All loans for investment purposes only.
How It Works
From first call to funded deal as quick as possible.
Submit Your Deal
Tell us about the property, your plan, and the numbers. We review every deal the same day.
Get a Term Sheet
If the deal works, we provide you with our loan costs right away. No surprises, no bait-and-switch.
Underwriting & Appraisal
We process your application fast. SA soon as the application is approved, we send full closing instructions to you and your title agent. Our local knowledge speeds up the process.
Close & Get Funded
Sign at the title company and funds are wired. Most deals close in 5–10 business days.
Have a Deal? Let's Talk.
Submit your deal details and we'll get back to you within one business day.