Our borrowers value speed and certainty of execution. They typically have banking relationships, but have certain transactions that need funding where they can’t wait for the bank to close in 30 to 60 days.

We are a well capitalized direct lender, NOT a broker.

We have closed transaction in a matter of days. Our underwriting process is never the hold up on transactions. If the borrower has organizational documents, title and survey, and has organized financed data; we can typically close in one to two weeks.

We do not do any consumer lending or lending for personal use.

We concentrate our lending efforts in the southeast. Having originators in Richmond, Charlotte, Columbia and Atlanta; we can respond more quickly than national lenders who don’t know the local markets.

While everyone has their own definition of “hard money”, our goal is to support small balance borrowers, not act in a predatory fashion. We are not a “loan to own” lending operation.

As a direct balance sheet lender, we originate and service our own portfolio.

About half of our business is from mortgage brokers. We always protect brokers and relationships.

We do purchase loans from smaller originators on a one off or flow basis. We also purchase non-performing loans and can help borrowers with discounted payoffs from existing lenders.

We are wholly owned by a large debt fund that is headquartered in Charlotte, NC. While our focus is deals between $250,000 and $2,000,000; we can certainly help you with larger transaction.