We have spent the last 43 years building world class lender relationships. Our commercial real estate lending relationships and our corporate credit funding relationships are some of the best in the industry. We have spent the last 43 years building these relationships so that we can bring our clients the best of what commercial lending has to offer. We are committed to leveraging our combined knowledge and experience to exceed our clients’ expectations.

Our expertise is in providing commercial and residential “business purpose” loans to clients who have been turned down by conventional lenders, or clients who prefer to avoid the endless delays or conditions required by these lenders.  In some cases, our clients simply don’t have the time required by these traditional lenders and we can offer a fast, easy, cost-effective way of tapping into their equity or in purchasing the property they want.

Our streamlined technology transforms the once-stressful process to get a bridge loan into a seamless and easy experience. We Fund Loans Others Can’t™ by providing fast bridge financing to real estate investors for the purchase, renovation, or new construction of single family, multi-family and mixed-use properties. We do that by providing:

FAST TURNAROUND – You need an answer quickly, and we want to get you started on your project as soon as possible. You will get a response to your loan application within days from submission.

SEAMLESS PROCESS –  Cut through the red tape by working with a local representative. You may bypass certain requirements imposed by conventional lenders such as appraisals, inspections, borrower financial qualifications and other paperwork.

ASSET-BASED APPROVAL – We make our decision on the current value of the property, not primarily on the qualifications of the client.

PAPERWORK REDUCTION – The application process is simple with minimal documentation required. In some cases, no bank statements, tax returns, and proof of income paperwork typically required by conventional lenders.

The application process is simple, fast, efficient, secure, and without the red tape for a standard bank loan. Some of the key benefits of our specialized private money products:

FLEXIBLE PARAMETERS

• Low FICO Scores
• Low Dun & Bradstreet PAYDEX Scores
• Non-US Residency
• Delinquent/Foreclosure
• Bankruptcy (Chapter 13 or 11)
• Self-Employment
• Equity Based Lending
• Recently Formed LLC
• Loans from $50,000 – $20,000,000
• Personal Guarantees Not Always Required
• Up to 75% LTV Of Current Value
• Rates from 8%. (rate and fees will vary based on market conditions and circumstances)
• Loans May Require Cross-Collateralization
• Repayment Terms From 3 – 36 Months

PROPERTY TYPES

• Non-Owner Occupied SFR
• Owner Occupied Hard Money Loans
• Multi Family
• Office Buildings
• Strip Centers
• Mixed Use
• Hotels & Self-Storage
• Skilled Nursing & Assisted Living

LOAN TYPES

• Bank Turn-Downs
• Rehab, Construction Completion
• Fix & Flips
• Purchase Money
• Refinance Transactions
• Discounted Note Payoffs
• Cash Out for Business Purposes

WHEN TO CONTACT ONCEPTS LENDING

You have the guts to take on a real estate project and the passion to see it through. Lacking the necessary capital and easy access to traditional financial sources, your project will struggle, and you end up missing opportunities to take advantage of the market’s ebb and flow. If you need a bridge loan or short-term financing on a project where you have substantial equity or expect to build up substantial equity as you enhance the value of your property, we have the answer to your funding issues.

We would like to hear from you if you have a project, and you lack upfront capital and the requisite credit score to access conventional loans. We have extensive experience in the real estate process, and we understand the importance of access to financing quickly, easily and seamlessly. We believe in providing solutions at competitive rates and terms.

Whatever your loan requirements may be, we have unique funding solutions that fit your needs. Including unconventional loan types that normal banks will not typically fund, like rehabs, mixed-use and investment properties.

We help clients build a bright financial future through real estate. Let us help you every step of the way. From application to funding, let our full-service team work to bring you the best programs and fund the best deal possible. Let Oncepts Lending be your lending partner. Contact your Oncepts Lending authorized representative to get started today.