Loan Products
Fast approvals, quick closings, and tailored lending programs designed for real estate investors who need reliable capital without traditional bank delays.
Fix - & - Flip
Funds for purchase + rehab or refinance + rehab
Loan Amount
up to $ 5,000,000
Interest rate
10-12.75%
Loan To Cost (LTC)
1st
Origination fee
1.875%
Loan To Value
up to 80%
More Info
BRIDGE
Funds for purchase + rehab or refinance + rehab
Loan Amount
up to $ 5,000,000
Interest rate
10-12.75%
Loan To Cost (LTC)
1st
Origination fee
1.875%
Loan To Value
up to 80%
More Info
RENTAL / DSCR
Funds for purchase + rehab or refinance + rehab
Loan Amount
up to $ 5,000,000
Interest rate
10-12.75%
Loan To Cost (LTC)
1st
Origination fee
1.875%
Loan To Value
up to 80%
More Info
NEW
CONSTRUCTION
Funds for purchase + rehab or refinance + rehab
Loan Amount
up to $ 5,000,000
Interest rate
10-12.75%
Loan To Cost (LTC)
1st
Origination fee
1.875%
Loan To Value
up to 80%
More Info
MULTIFAMILY & PORTFOLIO
Funds for purchase + rehab or refinance + rehab
Loan Amount
up to $ 5,000,000
Interest rate
10-12.75%
Loan To Cost (LTC)
1st
Origination fee
1.875%
Loan To Value
up to 80%
More Info
Get a closer look at how each loan works so you can choose the best option for your next project.
How It Works
Funding Your Project Is This Simple
More Than $1B Funded Nationwide
Submit your basic project details in just a few minutes.
Receive Terms
Get a customized term sheet, often the same day.
Final Review & Approval
We verify property and project details and complete underwriting quickly.
Close Fast
Access your funds in days, not weeks, and move forward without delays.
No banks. No long waiting periods. No unnecessary hurdles.
Loans since 2013
Total originations
Repeat clients
Let’s Check To See If You Qualify
If qualified, you are eligible for up to $32,220 in relief funds!
Loans since 2013
Total originations
Repeat clients
Why Choose TopLendr
Empowering investors with faster, smarter access to capital so you can scale with confidence.
More than $1B funded nationwide.
Fast closings in just a few days.
Thousands of investors served.
Digital application with same-day term sheets.
A Smarter Lending Experience Built For Investors
From fix-and-flip to rental portfolios and new construction, our lending process is engineered for speed, flexibility, and consistent results. No bank hurdles. No endless paperwork. Just dependable funding when you need it.
Fast, Tech-Enabled Underwriting
Flexible Loan Structures For Different Strategies
Transparent Terms With No Hidden Fees
Dedicated Support From Real Estate Lending Specialists
High Approval Rates For Investor-Focused Deals
Success Stories
Real Results From Real Investors
Closed in under a week. This allowed me to move quickly on a profitable flip and walk away with strong returns.
Investor
California
The rental loan helped me scale my buy-and-hold portfolio more efficiently than any traditional lender.
Investor
Florida
Transparent, fast, and reliable. Exactly what an investor needs.
Investor
California
Closed in under a week. This allowed me to move quickly on a profitable flip and walk away with strong returns.
Investor
California
The rental loan helped me scale my buy-and-hold portfolio more efficiently than any traditional lender.
Investor
Florida
Transparent, fast, and reliable. Exactly what an investor needs.
Investor
California
Frequently Asked Questions
How Fast Can I Close On A Loan?
We offer fast-closing hard-money loans, and many deals can fund in as little as a few days depending on the project details.
What Credit Requirements Do You Have?
We focus primarily on the property and the strength of the investment, not just your credit score. As a hard-money lender, underwriting is based more on asset value and the viability of the deal.
Do You Offer Loans For First-Time Investors?
Yes. We work with both experienced and first-time investors as long as the project meets our lending criteria. After the first deal, our terms become much more flexible for you.
What Types Of Properties Do You Fund?
We fund investment properties including fix-and-flip homes, new construction projects, rental and buy-and-hold properties, and multi-unit or portfolio deals.
What Are Your Typical Rates And Terms?
Loan terms range from short-term options up to 24 months. Most loans are interest-only with a balloon payment at maturity. Rates and points vary depending on project type and borrower profile.
Can I Finance Both The Purchase And Rehab?
Yes. Many of our programs include financing for both the purchase and the renovation budget so you can complete the full scope of your investment.
Ready to Fund Your Next Deal?
Get personalized loan terms today and partner with a lender that understands real estate investing from every angle.
Representatives Available 7 Days a Week to Better Serve Our Clients In Florida
As a Direct Hard Money Lender, We Don’t Have To Deal With The Banks. We Make The Final Decision On Approving Your Loan.