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Lending Matrix — Current as of January 2026

Loan Programs & Rate Sheet

Competitive private lending rates across six core loan programs. Rates are subject to underwriting, property type, and sponsor strength.

Rate sheet & loan structure

Program Loan Amount Term Max LTV/LTC Rate Range Structure
Commercial Acquisition $500K – $20M+ 12–36 months Up to 75% LTV 8.50% – 11.50% Interest Only
Construction Loans $1M – $20M+ 12–24 months Up to 80% LTC 9.50% – 12.50% Draw Schedule
Bridge Loans $500K – $20M+ 6–24 months Up to 75% LTV 8.00% – 14.00% Interest Only
Land Development $1M – $20M+ 12–36 months Up to 60% LTV 10.00% – 13.50% Interest Only
Value-Add Commercial $1M – $20M+ 12–36 months Up to 75% LTV 8.50% – 12.00% Interest Only
Multifamily Bridge $1M – $20M+ 12–36 months Up to 75% LTV 8.00% – 11.50% Interest Only

* Rates subject to underwriting, property type, market conditions, and sponsor strength. Subject to change without notice.

Standard loan parameters

Core parameters that apply across all loan programs.

Loan Amounts
$500K – $20M+
Loan-to-Value (LTV)
Up to 75%
Loan-to-Cost (LTC)
Up to 80%
Term
6 – 36 Months
Closing Speed
7 – 14 Days
Geographic Coverage
All 50 States
Interest Options
Interest Only Available
Prepayment
Flexible Options

What to include with your submission

Please provide the following documents with your loan package. Our team will acknowledge receipt and notify you of any additional requirements.

Completed Borrower Information Sheet
Executive Summary / Project Overview
Purchase Agreement or Contract (if applicable)
Rent Roll (if applicable)
Offering Memorandum (if applicable)
Property Photos
Builder / General Contractor Information
Construction Budget / Scope of Work
Construction Plans / Drawings
Recent Appraisal or Broker Opinion of Value
Title Report (if available)
Organizational Documents (Entity Docs)
Personal Financial Statement (All Guarantors)
Credit Report (All Guarantors)
Bank Statements — Last 3 Months (Business & Personal)
IRS Tax Returns — Last 2 Years (Business & Personal)
List of Real Estate Owned
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