Fund your next flip or rehab
with a private loan

Get access to hard money lending—with fast decisions, flexible structures, and quick closings.

Fund your next flip or rehab
with a private loan

Get access to hard money lending—with fast decisions, flexible structures, and quick closings.

Fund your next flip or rehab
with a private loan

Get access to hard money lending—with fast decisions, flexible structures, and quick closings.

How it works

Check if you qualify

Run through our quick checklist.

Apply in minutes

Share details about yourself, your project, and your investment plan.

Hear back fast

You’ll hear back within 3 business days with a Calendly link to discuss terms, or a quick note if it’s not the right fit.

Agree on terms

Together, we’ll finalize a financial structure that works for you.

Close quickly

Provide your title agency to coordinate closing.

Reach your goals

Get funded, stay current on payments, and apply anytime for your next project.

Why work with First Lien Loans

First Lien Loans was built by real estate investors for real estate professionals. We know the importance of a reputable lender, clear terms, and reliable capital. Our mission is to provide capital you can count on, so you can focus on creating lasting value for you and your family.

Responsible Lending

We only back deals we have high confidence in. That means looking at the people involved, the specific property, and the strategy from plan to exit. We finance loans when the math works, and when we believe your investment is set up to work for you.

Focused Partnership

We’re not trying to be the biggest lender. Our focus is on solid deals with experienced investors and operators who have skin in the game and who value transparency, structure, and accountability.

Real Estate Experience

We’ve worn the hats of rehabber, flipper, and landlord ourselves. That firsthand experience means you’ll work directly with decision-makers who understand real estate, not just spreadsheets.

Transparent terms

Clear, upfront agreements. No last-minute changes, no surprises.

Fast closings

Fast decisions mean faster closing. Funding in as quick as a few days.

Asset-backed loans

Fix & flips, rehabs, repositionings, and rentals—even ground-up builds.

Flexible structures

Interest-only payments, draw schedules, and exit strategies tailored to the deal.

Competitive rates

Rates from 10%.

Minimal paperwork

Simple application, fast approvals.

Real working capital

From $100,000 to $500,000 per loan.*

High LTV

Up to 75% loan-to-value (LTV), based on both current value and after-repair value (ARV).

Responsive partner

Quick answers from a lender who follows through.

*We only finance residential and commercial real estate investment properties. We do NOT lend on primary residences.

Power your next investment with private capital.

Apply online in 2 minutes—secure, simple, and fast.

Loan Qualification Checklist

Our lending standards are designed to ensure clarity, security, and sound investments. Each loan follows established provisions that protect both borrower and lender.

First lien position only: We only lend in first position, also known as a first mortgage.
Loan-to-Value (LTV): Maximum 75%, based on current value and After Repair Value (ARV). Loan must also support repayment under prevailing market interest rates.
Property type: Residential or commercial investment property only (not primary residences).
Geographic restrictions: Lending is available in most states, except California, Arizona, Nevada, North Dakota, South Dakota, and Vermont.
Minimum loan amount/loan size: Minimum $100,000 up to $500,000.
Loan term: Typical loan terms are 6–12 months.
Draw process: Distributions follow a draw schedule with specific mile markers along the way that trigger disbursements.
Appraisal/valuation method: Valuation may be determined by lender review, broker price opinion (BPO), automated valuation tools, or independent appraisal. ARV is assessed based on rehab scope and comparable properties.
Escrow: Lender does not hold escrow accounts for taxes or insurance; borrower is responsible for paying directly. Proof of payment/coverage may be requested at any time.

Upfront costs: No application fee.
Origination fee/points: Typically 0–3 points.
Interest rate: Rates range from 10–13%, structured as an interest-only loan.
Minimum interest requirement: Minimum of $10,000 in interest over the life of the loan (specific amount tailored to each deal).
Prepayment penalty: There is no prepayment penalty—loans may be prepaid at any time, subject to the minimum interest requirement being satisfied.

Credit history: Consistent, demonstrated financial responsibility.
Experience: Borrower must demonstrate prior success as an investor or operator, demonstrating completed projects and proven ability to execute an investment strategy.
Guarantees: Personal guarantee required from all principals.
Entity structure: Borrowers are encouraged to hold title in an entity (e.g., LLC) but may hold title personally, subject to lender approval.
Budget: Borrower must provide a budget broken down by major categories of work, with reserves included as appropriate for project scope.
Responsibilities: Borrower agrees to provide accurate and complete information, respond promptly, and grant access for inspections, including live or video walkthroughs as required.
Property insurance: Borrower must carry full coverage and list the lender as additional insured; builder’s risk coverage may be required during major rehabs.
Lender’s title insurance: Policy required with lender named as insured party.
Property taxes: Borrower must provide evidence of current property tax payments. Properties with outstanding tax liens may not qualify.
Title agency: All closings will take place with a recognized title agency.