Investor capital,
structured around the deal
Investor real estate finance for deals under $3M. From fix & flip, BRRRR and DSCR loans to bridge, construction, multifamily and blanket financing, we structure capital around your strategy and your exit, so the funding fits the deal rather than forcing the deal to fit the capital. For transactions above $5M, our Capital Markets desk takes over.
Real Estate Term Loan
A fixed-sum loan secured against property with a clear repayment schedule over a set term. Suited to investors who need a lump sum for a defined purpose - acquisition, refinance, or major improvement - and want predictable monthly payments.
- Fixed capital with predictable payments
- Secured against the property
- Clear term and repayment schedule
Real Estate Line of Credit
A revolving facility secured against property equity that you can draw on as opportunities appear and repay as cashflow allows. Ideal for active investors who need flexible, on-demand capital across multiple deals.
- Revolving, draw on demand
- Interest only on what you use
- Reusable capital across deals
Bridge Loan
Short-term financing that bridges the gap between buying one property and selling or refinancing another. Fast to arrange and built for time-sensitive situations where permanent financing will follow.
- Short-term, fast to arrange
- Bridges acquisition to exit
- Refinance or sale pays it down
Construction Loan
Capital for ground-up builds or substantial renovations, released in draws as construction milestones are completed and inspected. The facility progresses with the project, keeping funds tied to verified work.
- Funds released in milestone draws
- Covers build or major renovation
- Inspections tied to each release
Multifamily Loan
Financing for 2-5 unit residential properties or larger multifamily assets, qualified on the rental income the property produces. Built for investors scaling into cashflowing residential portfolios.
- Qualified on rental income
- Suits 2-5 unit and larger multifamily
- Built for cashflowing portfolios
HELOC
A home equity line of credit lets you draw against equity you already hold, on demand. A flexible, low-cost source of capital for acquisitions, renovations, or bridging between deals.
- Draw on demand against existing equity
- Low-cost, flexible capital
- Bridges gaps between deals
DSCR Loan
Debt service coverage ratio loans qualify on the rental income the property generates, not your personal income. Ideal for investors building a portfolio where the property's cashflow carries the debt.
- Qualifies on rental income, not personal income
- Built for portfolio investors
- Cashflow-based qualification
Hard Money Loan
Asset-based, short-term financing secured primarily by the property itself rather than your credit profile. Fast and flexible, it suits deals where speed and the asset value matter more than a traditional underwrite.
- Secured by the property, fast to close
- Asset-based underwrite
- Short-term bridge to exit
BRRRR
Buy, Rehab, Rent, Refinance, Repeat. Capital funds the purchase and renovation, then a refinance releases your equity once the property is stabilised and tenanted, letting you recycle the capital into the next deal.
- Purchase + rehab funded upfront
- Refinance releases equity post-stabilisation
- Capital recycles into the next deal
Fix & Flip
Short-term capital to acquire, renovate, and resell a property for profit. Funding is structured around the purchase, the rehab budget, and the exit, with draws released as renovation milestones complete.
- Acquisition + rehab in one facility
- Draws tied to renovation milestones
- Exit via resale or refinance
Ground-Up Construction
Full financing for new-build projects from land acquisition through to completion. Capital is structured across the entire build timeline, with draws tied to verified construction milestones and an exit via sale or stabilised refinance.
- Land acquisition through to completion
- Draws tied to build milestones
- Exit via sale or stabilised refinance
Blanket Loan
A single facility secured across multiple properties, letting investors manage one loan instead of several. Often includes release clauses so individual properties can be sold off without unwinding the whole facility.
- One loan across multiple properties
- Release clauses for partial sales
- Simplifies portfolio management
The deal shapes the structure
Start with the exit
Every real estate facility is structured around how you plan to exit, whether that's resale, refinance, or long-term hold. The exit determines the right product.
Match the timeline
Capital is timed to the deal, purchase funds when you need to close, renovation draws as milestones complete, and refinance when the property is stabilised.
Position for the next deal
Well-structured real estate finance doesn't just fund one deal, it positions you to recycle capital and take on the next one, which is how portfolios compound.
Real estate finance questions
Do I need a track record as an investor to get real estate finance?+
Not necessarily. Some products suit first-time investors, while others are built for established portfolios. We look at the deal, your profile, and the exit strategy to find the right structure.
How fast can real estate funding be arranged?+
Speed depends on the product and the deal. Some fix & flip and HELOC facilities can move quickly, while DSCR loans typically take longer to close. We give you a realistic timeline up front.
Can I fund the purchase and the renovation together?+
Yes. Fix & flip and BRRRR structures commonly combine acquisition and rehab into a single facility, with renovation funds released as milestones complete.
Bring us your next deal
Tell us about the property, the strategy, and the exit. We'll structure the capital around the deal and send a written Funding Assessment.