Neighborhood Lending — Direct Real Estate Lender
Direct lender

Fast capital for investors who move quickly.

Neighborhood Lending is a direct lender offering commercial real estate loans to investors, builders, developers, and property owners. Straightforward terms. Reliable closings.

80% LTC
Loan-to-cost on construction
75% LTV
Loan-to-value of ARV
9–36 months
Flexible loan terms
Interest only
Payments on all programs

Built for how investors actually work.

Flexible commercial programs structured around the deal — not a bank checklist. We lend on the property and the project, not your tax returns.

Fix & Flip

Purchase + rehab financing

Finance the acquisition and renovation of distressed properties in a single loan. Draw schedules tied to project milestones.

LTV 75% ARV
LTC 80%
Term 9–12 months
Payments Interest only
Bridge

Short-term bridge loans

Bridge a timing gap, fund a quick acquisition, or unlock equity from an existing property while you arrange permanent financing.

LTV 75%
Term Up to 36 months
Payments Interest only
Commercial Bridge

Commercial property bridge

Short-term financing for commercial acquisitions, stabilization plays, and value-add deals where speed is the competitive edge.

LTV 75%
Term Up to 36 months
Payments Interest only
Construction

Ground-up construction

New construction financing for experienced builders. Funds released in draws as work progresses, with inspections at key milestones.

LTC 80%
LTV 75% ARV
Term 9–12 months
Structure Draw schedule
Note: Terms and pricing are deal-specific. Rates and points vary based on the property, project, and loan structure. Submit your deal and we'll respond with a term sheet. Typically within 24–48 hours.

Local knowledge. Creative underwriting.

Decisions made here

No committee, no out-of-state underwriter. We review and decide on every loan ourselves, which means faster answers and fewer surprises at the closing table.

Asset-based lending

We lend on the property and the project.

We close when we say

Our timeline is our commitment. Once we've inspected the property and confirmed title is clear, we move fast.

From inquiry to closing in days.

01

Submit your deal

Share the property address, purchase price, rehab or construction budget, and a brief summary of your experience.

02

Term sheet issued

We review and return a term sheet with proposed loan terms, typically within 24–48 hours of receiving a complete package.

03

Inspection & title

We inspect the property and confirm a reputable title company can issue a title policy. We keep you informed throughout.

04

Close & fund

Sign at the settlement table and receive your funds. We move quickly once the property and title are cleared.

Submit a deal

Tell us about your project. We'll review the details and respond with a term sheet within one business day.

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Broker partnerships

We work with mortgage brokers and referral partners. Register your information and let's talk about working together.

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