Loan types
Find the loan that fits your project
Acquisition & Development Loans
Capital to buy land and build the horizontal improvements — roads, utilities, grading — that turn raw ground into buildable lots.
- Term
- 12–36 months
- Leverage
- Often 50–75% of cost
Vertical Construction Loans
Funding to build homes or buildings from foundation to finish, including phased subdivision and spec projects.
- Term
- 9–24 months
- Leverage
- Often up to 85–90% of cost
Rental & DSCR Loans
Long-term financing for rental properties based on the rent the property earns, not your personal income.
- Term
- Often 30 years
- Leverage
- Often up to 75–80% LTV
Fix & Flip Loans
Fast, short-term loans to buy a property, renovate it and sell it — often covering both purchase and rehab costs.
- Term
- 6–18 months
- Leverage
- Often up to 90% of purchase, 100% of rehab
Bridge & Transitional Loans
Short-term capital that bridges a gap — closing quickly, repositioning a property or waiting on permanent financing.
- Term
- 6–36 months
- Leverage
- Often 65–80% LTV
SBA & Business Term Loans
Longer-term, lower-cost capital for business expansion, acquisitions, equipment or owner-occupied real estate.
- Term
- Up to 10 years (25 for real estate)
- Down payment
- Often 10–20%
Equipment Financing
Financing from $10,000 to $100M+ to buy machinery, vehicles and technology, with the equipment itself as collateral.
- Range
- $10,000 to $100M+
- Term
- Often 2–7 years
Business Lines of Credit
Flexible capital you draw on when you need it and pay interest only on what you use — built for cash-flow ups and downs, inventory and short-term opportunities.
- Limit
- Often $10,000 to $5M+
- Term
- 6–24 months per draw, or revolving
Terms are general market ranges for education, not a quote. Your actual terms depend on the lender, property and borrower.
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