New Construction
Single family homes and spec houses - banks won't lend to these projects
- Single family home construction
- Spec house development
- No bank restrictions
- Flexible terms
Your Real Estate Investment Partner
Private Real Estate Lending with Expert Guidance
We're not just a private lender - we're your real estate partner. Get the funding you need plus expert consultation on making offers, maximizing your investment, and building wealth through real estate in RI and surrounding areas.
Specializing in RI and surrounding areas
24-hour closing available
No credit check required
Loans up to $2MM
Expert real estate consulting
Up to 100% LTC and 100% rehab funds available
Loans available for first and second lien positions
Competitive interest rates 10%+
$2MM
Maximum Loan Amount
Fast approval process
24hrs
Closing Time
Scores
Deals Closed
Loan Types
Types of Loans We Provide
Specialized Financing Solutions
Rehab Loans
Transform distressed properties into profitable investments
- Property renovation financing
- Fix and flip projects
- Value-add improvements
- Quick approval process
Foreclosure Loans
Close within 30 days - banks cannot close this quickly
- 30-day closing guarantee
- Foreclosure acquisitions
- Time-sensitive deals
- Competitive advantage
Flip Loans
For investors who know the seller and can assign contracts
- Contract assignment deals
- Known seller relationships
- Quick turnaround
- Profit maximization
Development Loans
Bridge and construction financing for new developments
- Bridge financing
- Construction loans
- Development projects
- Flexible structures
Junior/Second Lien & Equity
Flexible financing for second lien positions and equity partnerships
- Second/junior lien position loans
- Equity partnership opportunities
- Subordinate debt financing
- Creative deal structures
Benefits
Quick Approvals, No Hassles
Why Choose Us
We understand that time is money in real estate. Our streamlined process gets you funded fast.
24 Hours
24-Hour Closing
We can close your loan within 24 hours when needed - no lengthy bank processes or delays.
No Credit Check
No Credit Check
Your credit score doesn't matter. We focus on the property value and your project potential.
$2MM Max
Up to $2MM
Loans available up to $2 million for your real estate investment projects and developments.
Fast Approval
Quick Approval
Fast approval process based on property value and project viability, not bureaucratic red tape.
100% Funding
100% LTV & Rehab
Up to 100% loan-to-value financing plus 100% of your rehab costs covered for qualified projects.
Flexible Liens
First & Second Liens
Loans available for both first and second lien positions to fit your financing structure needs.
From 10%
Competitive Rates
Interest rates starting at 10% - competitive pricing for private real estate lending.
Ready to Get Started?
Contact us today to discuss your project and get pre-approved within hours.
About Us
Real Estate Expertise You Can Trust
Meet Our Founder
Josh Chu
Joshua has over two decades of experience in Rhode Island real estate investing and development. He started his career after purchasing a fixer upper his senior year in college and has since done scores of deals throughout Rhode Island and New England.
He has been a real estate investor since the early 2000's and has been private lending since 2019 where he has financed a variety of deals from rehabs to ground up construction across Rhode Island and Minnesota. Most recently, Josh developed an 18 unit townhome and apartment complex in Providence, RI and brings a hands-on approach to private lending with deep knowledge of the Rhode Island real estate market.
20+
Years in Real Estate
2019
Private Lending Since
Client Success Stories
Here's what some of our satisfied clients have to say about the value they received.
Josh's expertise in private lending made our bridge loan process seamless. His hands-on approach and quick turnaround helped us close on a property that would have otherwise slipped away. Highly recommend his services!
Michael R.
Real Estate Investor
Working with Josh was a game-changer for our fix-and-flip project. His understanding of the market and flexible terms allowed us to maximize our investment. The consultation alone was worth its weight in gold.
Sarah L.
Property Developer
Josh provided invaluable guidance on our construction loan. His network and experience in the Rhode Island market helped us navigate complex zoning issues and secure the funding we needed on time.
David K.
Commercial Investor
The refinancing options Josh presented saved us thousands in interest. His transparent communication and deep knowledge of lending products made what could have been a stressful process remarkably smooth.
Jennifer M.
Multi-Family Investor
Josh's consultation on our land acquisition loan was exceptional. He understood our vision and structured a deal that gave us the flexibility we needed. His responsiveness and professionalism are unmatched.
Robert T.
Land Developer
I've worked with several lenders over the years, but Josh stands out for his personalized service and creative problem-solving. He helped us secure funding for a unique property that traditional banks wouldn't touch.
Amanda S.
Investment Property Owner
Request Loan
Request Your Real Estate Loan
Get Started Today
Complete the form below to get started. We'll review your project and get back to you within 24 hours.
Commercial Use Only
We do NOT lend for owner-occupied properties. All loans must be for commercial real estate investment purposes only.
By submitting this form, you agree to be contacted regarding your loan request. We typically respond within 24 hours during business days.