Financing for Every Real Estate Opportunity.
Built to Move Fast.
Nationwide Lending · Flexible Loan Structures · Direct Access to Decision-Makers
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OUR SOLUTIONS
Residential Investment
GET STARTEDShort-term and long-term financing for non-owner-occupied residential properties.
Fix & Flip
Short-term financing for acquiring and renovating residential investment properties intended for resale.
LEARN MOREOUR PARTNERS
Built for the People Driving Real Estate Forward.
For Direct Clients
Talk straight to the people who approve your loan. We lend our own capital and underwrite on the asset and your plan — not your tax returns — so you get indicative terms the same business day and a closing date you can build a schedule around.
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For Brokers
Send us the file and keep your client. Decisions are made in-house, your fee is documented up front, and we hold the closing date we commit to — across residential, multifamily, commercial, and specialty deals.
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For Referral Partners
Introduce the deal and we take it from there. You see every step from term sheet through funding, your client stays your client, and your introduction is paid on the close.
Learn moreHOW IT WORKS
From scenario to funded.
No hoops, no runaround. Here's exactly how a SimpleCREDIT loan comes together — the underwriting, the terms, and the timeline.
BOOK A CALLLoan terms at a glance
Indicative- Loan amount
- $500K – $30M
- Max leverage
- Up to 80% LTC · 75% LTV (ARV)
- Rates from
- SOFR + 575 bps (floating)
- Origination
- Starting at 1.5 points
- Term length
- 12 – 24 mo · up to 30 yr (DSCR)
- Payments
- Interest-only (DSCR amortizing)
- Prepayment
- No penalty on most programs
- Time to close
- 5 – 7 business days
Indicative ranges only — final terms depend on the property, program, and borrower profile.
Send us the scenario.
Submit your scenario and get a term indication within hours, with a rate lock so your numbers hold.
- Asset-based underwriting — approval hinges on the property and the deal, not tax returns or W-2s.
- We lend to LLCs, corporations, and trusts; no personal income documentation required.
- Loan amounts from $500K to $30 Million, sized on LTV, LTC, and after-repair value (ARV).
- Available for fix & flip, ground-up construction, bridge, and 30-year DSCR rental programs.
Lock the terms.
Once your information is in, we process the appraisal and title work and lock your final terms.
- Independent third-party appraisal (or BPO) establishes as-is and after-repair value.
- Full title search, title insurance, and clear-to-close review handled in-house.
- Underwriting weighs the collateral, your experience, and the business plan together.
- Payment structure (interest-only or amortizing) and any draw schedule are set in your term sheet.
Fund your project.
Close with clear title and a completed appraisal, and draw capital as your project moves.
- Fund in as little as 5–7 business days from a clean appraisal and title.
- Construction and rehab funds released through a straightforward draw process as work is completed.
- One point of contact for the life of the loan, with fast draw turnarounds.
- No prepayment penalty on most programs, so an early exit never costs you extra.
RECENTLY FUNDED
Proven successes, time and time again.
We apply a structured, high-volume investor outreach process designed for best results. Here's how we turn investor interest into capital raised.
Fix & FlipOcean Isle Beach, NC
$3,324,950
Loan-to-Cost: 70%
Fix & FlipSouthampton, NY
$3,400,000
Loan-to-Cost: 73%
Cash-Out RefinanceWoodland Hills, CA
$1,800,000
Property Status: Completed, Equity Unlock
Frequently Asked Questions
Read about some of our most frequent questions. If you can't find the answer you're looking for here, feel free to send us a message or a mail.
BOOK A CALLSimpleCREDIT is a direct private real estate lender. We make our decisions in-house — no outside credit committees — and fund bridge, construction, fix-and-flip, and long-term rental loans across residential, multifamily, commercial, and specialty real estate.
CONTACT US
Let's fund your next deal.
Send us the property, the amount you need, and your timing. A loan officer will come back to you with indicative terms.
- 1
Send us the scenario
The property, the amount you need, and your timing.
- 2
Get same-day terms
Indicative terms, often the same business day.
- 3
Close in 5–7 days
We lend our own capital, so we hold the date.