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.
Needed a bridge loan fast for a property in Warwick - Josh got us funded in 8 days. We were competing with 3 other offers and his quick turnaround made the difference. Ended up closing $15k under asking because we could move so quickly.
Michael R.
Real Estate Investor
Been doing fix-and-flips for 6 years now and Josh is hands down the best lender I've worked with in RI. No BS, just straight talk about what's possible. His terms on our Cranston project let us hold an extra 2 months which added $40k to our profit.
Sarah L.
Property Developer
Josh helped us navigate a tricky construction loan for a mixed-use building in Providence. The city was giving us grief on permits and he actually knew people who could help. Not just a lender - he's connected and knows the local market inside out.
David K.
Commercial Investor
Refinanced our 3-family in Pawtucket through Josh last fall. Saved about $800/month compared to what we were paying. He walked us through like 4 different options and never pressured us. Wish I'd found him years ago honestly.
Jennifer M.
Multi-Family Investor
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.