Alternative Funding

Two capital solutions that work alongside our core loan programs — an Investor HELOC to unlock equity you already have, and Construction Material Funding to keep your project moving without waiting on a draw.

Please note: RevitaLending is not a direct lender for the programs on this page. If you're interested, simply fill out the online form and we'll refer you to the companies that offer these products. We include them as a complimentary service to our clients — additional sources of capital to help with down payments, closing costs, renovation costs, carrying costs, and more.

Home Equity Line of Credit

Investor HELOC

Partner Program — Fast Referral

Close within 5 days. No appraisal for loans under $450k

Tap the equity in a property you already own (primary or investment) without refinancing your existing mortgage. Use funds for working capital, down payment, closing costs, or material.

Parameters	Details
Loan Amount:	$25,000 – $750,000 (max $750,000 per borrower)
Rate:	7% – 11% APR
Term:	10, 15, 20, or 30 years
Draw Period:	3–5 years, depending on term
Funding Speed:	As few as 5 business days
Combined LTV (CLTV):	Up to 80% CLTV
Minimum Credit Score:	640
Eligible Properties:	Primary, secondary & investment properties — including those held in an LLC
Documentation:	Minimal documents required · No appraisal for loans under $450,000
Not Available in:	NJ, VA, WV, MI, MN, ND, SD, WY, ID, NV, UT, AZ, OR, HI, AK

Apply for Investor HELOC→ Download Flyer

Material Vendor Financing

Construction Material Funding

Partner Program — Fast Referral

Vendors paid in 24–72 hours. No waiting on a draw

Bridge the hard-money “draw gap” — we pay your approved material vendor directly so work starts immediately, instead of waiting on inspections and draw requests.

Parameters	Details
Project Budget:	Up to $300,000 per project
Individual Order Size:	$3,000 – $50,000 per invoice
Maximum Outstanding Balance:	$50,000 total active balance
Repayment Terms:	30, 60, or 90 days
Vendor Payment Turnaround:	Approximately 24–72 hours after approval
Minimum Credit Score:	720+ FICO (principal guarantor)
Setup Fee:	$599 one-time setup
Repayment Method:	Automatic ACH debit
Invoice Coverage:	Up to 100% of eligible material invoice cost (excludes sales tax & labor)
Eligible Projects:	Non-owner-occupied residential or commercial renovation/construction, nationwide

Apply for Material Funding→ Download Flyer

Interested in One of These Programs?

Fill out the form and we'll refer you to the company that offers it — we'll get back to you the same business day.

Apply for Investor HELOC→ Apply for Material Funding→ Call Direct: (202) 595-5472

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