Fast closings. Common-sense underwriting. Up to 100% LTC and zero appraisal required under $2M. Whether you need a bridge loan to secure a deal or a capital partner to save your equity, we close when banks won't.
Asset-First Underwriting: We evaluate the complete deal—property equity, project margin, and exit strategy—rather than disqualifying borrowers based on credit score cutoffs.
Tell us the basics and get real terms back — usually the same business day.
Fix & flip, ground-up, and commercial bridge financing sized to your deal — up to 100% of cost, no appraisal required under $2M, and a same-day answer on terms.
View Loan Programs→Under contract on a high-margin off-market property but need a cash partner? We fund 100% of the acquisition and renovation, manage the construction, and split net profits at sale — no loan, no monthly payments, and no credit requirements. (Also partnering with heirs and owners to protect equity from foreclosure or probate.)
Explore JV Partnerships→RevitaLending originates and funds every loan directly, using a combination of dedicated balance-sheet capital and private institutional credit facilities. That structure gives us full discretion on transactions from $100,000 to $10,000,000, with every underwriting decision made in-house — no outside investment committee, no correspondent lender, and no loan sale down the line.
Real estate investing requires quick action. Our lending process is streamlined for fast approvals and fast closings. No tax returns. No proof of income or employment. No minimum credit score (approval is not based on credit). We don't even require an appraisal. We can underwrite and settle quickly — usually within days.
No Traditional Appraisal Required on Qualifying Loans Under $2M. We evaluate the property and business plan directly in-house, bypassing the 3–4 week appraisal bottleneck common with conventional institutions. This asset-based approach keeps upfront costs down and allows us to issue terms and close within days.
We are able to fund single family homes (1 to 4 units), mixed-used, and small balance commercial properties. We offer purchase (“acquisition”) loans, cash-out refinancing, and bridge loans. We can fund small balance commercial bridge loans, up to $10M (commercial loans under $2M do not require appraisals).
We also work with property owners going through foreclosure, divorce, tax sales, or bankruptcy. We also work with heirs who inherit properties and are going through the probate process. Under our joint venture program, we collaborate with real estate investors and property owners needing a cash partner. Have a situation to discuss? Contact us today.
From acquisition to renovation to stabilized commercial assets — pick the path that fits your deal, then dig into the full rates, terms, and application.
Funding for Rehabbers
(DC, MD, VA)
(Under $2M)
(DC, MD, VA, DE, NJ, PA and NC)
($2M to $10M)
(DC, MD, VA, NC plus SC, GA, TN, FL & TX)
A hard money loan is a short-term, asset-based loan secured primarily by the value of the property rather than the borrower's credit profile alone. It's used when speed, flexibility, or a property's condition make conventional bank financing impractical.
There's no minimum credit score requirement. Approval is based on the property, the deal, and your plan — not your credit.
Fix & Flip loans and commercial loans under $2 million do not require an appraisal. For larger commercial bridge loans, tell us about your deal and we'll walk you through what's needed.
Most loans close in 5 to 10 days from a complete application, and we usually get back to you on your scenario the same business day.
Single-family homes (1–4 units), multifamily, mixed-use, and small balance commercial properties — including self-storage, office, retail, and light industrial.
Fix & Flip loans ($250K to $3M) and two tiers of Commercial Bridge Loans (under $2M and $2M to $10M). We also run a Joint Venture Partner Program for off-market deals and offer Alternative Funding (an Investor HELOC and Construction Material Funding) through referral partners. See the Loan Programs page for details.
Yes. First-time rehabbers are accepted on our Fix & Flip program — we look at the strength of the property and the plan.
Rates start at 9.99% and generally run up to 13.99%, with origination fees typically between 2% and 4%, depending on the program, loan size, and leverage.
We lend across the Mid-Atlantic — primarily Washington DC, Maryland, Virginia, Delaware, Pennsylvania, North Carolina and New Jersey. Fix & Flip loans focus on DC, MD and VA, and commercial loans from $2M to $10M also reach SC, GA, TN, FL and TX. Have a deal outside those areas? Ask — we consider deals case by case.
Click Apply and choose the program that fits, use the quote form above, or call us at (202) 595-5472. An associate will follow up to walk you through next steps.
Whether you're a borrower or a broker, get a real answer on your deal — fast.
Three tiers of direct balance-sheet capital across the Mid-Atlantic and Southeast — sized and priced to the market.
Eligible Loan Types:
Max Loan Amount:
DC · MD · VA
DE · PA · NJ · NC
SC · GA · TN · FL · TX
Hover an active state on the map for eligible loan types and maximum loan amount.
