Your One-Stop-Shop For Real Estate Investment Financing!

Qualify In 24 Hours. Close In 10 Days., Close 3-4 days if all the paperwork is in order, No Tax Returns Required.


Perfect For BRRRR Method.

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Custom hard money loan solutions designed for all investor types, regardless of experience level. Count on our swift financing to propel your real estate ventures and expand your business.

 Approval In 1 Day or Less

FLIPS, BUILDS, AND HOLDS - WE DO IT ALL!

With Spartan, you can now truly qualify in just 24 hours and close within 10 days with no tax returns required, making it perfect for the BRRRR method.

Unified Investment Financing

No need to finance your renovation with one lender and your long-term hold with another. We handle all your investment financing under one roof!

Speedy Bridge Refinancing

We can close your bridge loan in 10 days with 100% construction financing. 90 days of seasoning later, we can refinance you into a long-term DSCR loan.

Streamlined Funding Process: Efficiency

Qualify In 24 Hours. Close Your Deal Within 10 Days.
No Tax Returns Required. Perfect For BRRRR Method.

Spartan Is Now Lending In

AL | AR | AZ | CO | CT | DE | FL | GA | IL | IN | KS | KY | LA | ME | MD | MA | MI | MN | MO | MS | NH | NJ | NY | NC | OH | OK | OR | PA | RI | SC | TN | TX | VA | DC | WA | WI

Tailored hard money loan options crafted for investors of every background, irrespective of their level of expertise. Rely on our rapid financing to drive your real estate endeavors forward and grow your enterprise.

 Approval In 1 Day or Less

FAQ's

How quickly can you close?

Although most of our loans close within two weeks of initial borrower contact, we can close within 3-4 days if all the paperwork is in order.

Do I need good credit to get a loan?

We do pay attention to the credit background of the deal principals, however a borrower does not have to have good credit to close with us.

Do I need cash to close?

Yes, we do require our borrowers to have some cash to settle, pay interest over the course of the loan and be able to deal with cost overruns with the rehab project.

Do I need experience to close?

Having experience is very helpful but we do lend to first time borrowers.

What is your typical loan structure?

We offer a one year loan that is interest only until maturity and no prepayment penalty. Learn more about our loan programs.

Will you lend to an individual?

No, we only lend to some kind of entity – LLC or Corporation.

Do you require personal guarantees of the principals?

Yes.

Do you lend to owner occupiers?

No, we only lend to investors. All of our loans must be non owner-occupied.

Do you offer new construction financing?

Yes, but only to experienced contractors or builders.

Are you a direct lender?

We are a direct lender with control of our own funds and decision making.

How soon can I expect a preliminary approval?

Within 24 hours if the submission is complete.

What is the minimum credit score you require for a loan?

We do not have a minimum credit score, however, we do examine our borrower’s credit, and look at payment patterns. If your credit is poor we will look for other parts of the deal that make it safer for us.

Will you lend 100% deal cost?

No, we lend 80-85% of purchase and rehab costs up to a maximum of 60%-65% of after rehab value (ARV).

Will you lend 100% of rehab costs?

Yes. But we examine carefully your scope of work and draw schedule.

What properties will you lend on?

We concentrate on both single and multi-family residential real estate. We also lend on mixed use commercial properties with a residential component.

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We Deliver:

  • Hard Money: Asset based lenders and direct, private hard money loans. We provide professional access to cash so that you can make your real estate investment dreams a reality.
  • Fast Processing: Loan pre-approval within 24 hours and a close in as few as 3 days. Our money funds your project, which gives us the ability to make decisions faster than anyone in the industry. Time is money and speed is our commitment to you.
  • Local Services: Local partnerships–loan officers, appraisers, attorneys, title agents. We will provide you with a team of hand selected, local community members who understand the real estate climate in your neighborhood.
  • Financial Coaching: New borrower or first time real estate investor? No problem. We will guide you through our proven process every step of the way. As investors ourselves, we’ve been through this. We know what you’re going through, and we will offer you our full support and expertise – that’s the Spartan promise.

Deliverables Continued:

  • Profitability: Our risk calculators evaluate the profitability of your project to ensure that you are successful and profitable when you choose Spartan. Our formula guarantees that we get you the best deal possible. We’ll also manage your draw schedule during rehab projects in order to protect and safeguard your investment.
  • Peace of Mind: We show up for you, EVERY time. Reliability is one of our core values, and we pledge that we will be at the closing table when you need us. The relationship that we build and cultivate with our borrowers is our top priority.
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