Fast, Flexible Nationwide Private Lending

Close in as Little as 10 Days

Direct, no-hassle funding for Fix & Flip, Construction, Bridge & DSCR Loans

  • Top Rated Private Money Lender
  • Serving Real Estate Investors for 20+ Years
  • Execution Certainty
  • Fix & Flip (Up to 95% LTV)
  • Ground-Up Construction (100% Construction Cost)
  • Bridge (Close in 5 Days / 620+ FICO)
  • DSCR  (Rates from 6.50% / Up to 30-Year Terms)

Talk to a Private Lending Specialist

Quick Pre-Approval • No Obligation • No Credit Impact

Contact Us

Our Loan Programs

When banks say no, we say YES! 
 
Funding Alternatives specializes in private lending and private financing for real estate investors across Florida, Georgia, Texas, and throughout the U.S.

As trusted private mortgage lenders, we provide fast, flexible funding for Fix & Flip, Bridge, Construction, and Rental Property loans with creative structures designed to fit your investment goals.

With over 30 years of lending experience, our team ensures your deals close quickly, smoothly, and successfully offering competitive rates, high leverage, and hands-on support from start to finish.

Explore Flexible Real Estate Loan Options for U.S. and Foreign National Investors

Fix and Flip Loans

Rates from 7.75%
Single Family & Multi-Family

LTC up to 93.5%

Up to 90%+ of Purchase Price /  100% of Rehab Budget
Quick Pre-Approvals 
Close in 10 Days  

Ground Up Construction Loans

Rates from 8.75%
Single Family & Multi-Family

LTC up to 92.5%

Up to 90% of the Total Project Budget - Including 100% of Construction Cost
Streamlined Draw Process
Close in 10 Days 

Bridge Loans

Rates from 8.75%
Single Family & Multi-Family
LTV up to 75.0%
Lite Doc: No Income Verification / 620+ Fico 
Close in 5 Days

Rental Property Financing

Rates from 6.50%
5, 7, 10, & 30 - Year Terms
LTV up to 80.0%
Vacant or Rented /
No Income Verification /
No Credit Verification
Close in 10 days 

Permanent Commercial Loans

Rates from 8.99%
LTV up to 75.0%
Purpose: Purchase, Rate-Term Refinance, and Cash-Out 
SFR, Condo, 2-4 Units, Multi-Family, Mixed-Use, Commercial 
Fully Amortized or Interest Only

Hard Money Loans

Rates from 12.0%
$50K - $5M+
No Income / 
No Credit Check
Secured / 
Unsecured
Close in 3-15 days

How We Do Business 

Whether you’re a first-time investor or an experienced developer, our team delivers the flexibility, transparency, and speed that traditional lenders can’t match. That’s why Funding Alternatives is trusted by investors across Florida, Georgia, and Texas for all their private lending needs.
Competitive Terms and Creative Structures 
We offer the most competitive structuring for YOUR needs.
Flexible Loan
 Programs
Diverse set of in house loan programs, investors & lender networks
Robust Technology
Our web based technology streamlines loan intake, doc upload, & loan processing.
On-time, 
Fast Closings
We close loans faster than banks & our competition. Usually within 7-10 days
Straight Forward Process
Our Loan Process process is fast, simple and straight forward. 
Dedicated Loan Originator
Every Client is VIP, that's why you get a dedicated Loan Originator that will always know the status of  your loan.

Recent Fundings

From fix & flip homes to multi-family developments, our private financing solutions have helped hundreds of investors close fast and grow their portfolios.

Davie, FL

Fix & Flip
$675,000

Martin County, FL

Square Foot Addition
$890,000

Greenville, SC

Four Unit Townhome Construction
$2,890,000

Our Numbers

Over the years, we’ve funded more than 350 loans and over $165M in private mortgage lending, helping real estate investors across the Southeast scale their businesses with confidence.

$165m+
Loan Origination Volume
350+
Loans Funded
30+ Years
Management team possesses 30+ years of Financing Experience 
Customer Centric
Focused on YOUR success
20+ Years
Funding Alternatives has been closing loans since 2004

Business Affiliations

We are here to help! 

Need our rates or guidelines? Want to discuss a deal?
Contact Us! 
Mon-Fri: 9:00 am - 6:00 pm EST

Contact Us

Contact Us

Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals.