T4 Lending Makes Getting A Loan Easy!

T4 Lending is a nationwide, direct private lender offering short-term and long-term financing options for real estate investors. We offer Fix & Flip, New Construction, Bridge Loan & Rental Financing loan programs, each with its own flexible options to suit your needs.

Get pre-approved online in less than 5 minutes! No proof of income required; all loans are underwritten solely on property value.

See Your Rate

Direct Lender

T4 Lending is not a bank. We are a direct hard money lender meeting the needs of real estate investors nationwide.

Competitive Rates

Our personalized approach and custom solutions ensure you get the best rate for your loan.

Streamlined Process

Our primary goal is to close loans fast. Our propreitary risk management and underwriting process ensures fast closing with minimal documentation.

Hard Money Loan Matrix

Fix & Flip

New Construction

Bridge Loan

Rental Financing

Term:

Loan Amount:

Leverage:

Rate:

Min. FICO:

6 - 36 Months

Loans from $75,000 to $10,000,000

Up to 85% of the purchase price + 100% of renovation

Rates start at 7.00%

600

24 Months

Loans from $100,000 to $3,500,000

Up to 75% of the initial advance; Up to 90% total Loan Cost

Rates start at 7.50%

660

12 - 24 Months

Loans from $250,000 to $5,000,000

Up to 75% LTV

Rates start at 7.75%

No Minimum Fico

30 years (Amortization Options Available)

Loans from $100,000 to $5,000,000

Up to 80% LTV

Rates start at 4.50%

640

* Below 660 credit score will be reviewed on case-by-case basis.

** Appraisal is only required for loans greater than $1mm and or for "Heavy rehab" projects.

Get Pre-Approved in 5 Minutes or Less

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Testimonials

I am fortunate to have found T4 Lending. In the last 30 days I have closed three loans with T4. As a broker, I closed a bridge loan for a client in Georgia to purchase an investment property in five days. That is unheard of! I also closed two fix & flips for another client in Michigan. This was not your ordinary fix and flip. Very complicated with many moving parts. T4 lending got it done with ease. Thank you Andrew and Ricardo!!

Joe Anthony - Broker

Closed my first deal with Andrew and the T4 Lending team. They delivered exactly as promised and even got me more money than I expected. I highly recommend T4 Lending.

Anthony

I am commercial real estate attorney who has many clients with tight funding deadlines or are unable to access conventional financing. T4’s deep understanding of complex real estate matters enables them to deliver capital quickly.

Mark

I use T4 Lending on all my fix & flip deals. They are very reliable, responsive and offer competitive rates. I highly recommend them!

Alex