Speed is our edge in New Jersey. Many borrowers receive a pre‑approval or term sheet within 24 hours. Final approval depends on title and valuation (typically 3–5 business days). With responsive underwriting and direct funding, New Jersey deals can often close in ~10 days—helping you compete in inventory-tight markets markets.

We’re a strong fit for New Jersey real estate investors and builders seeking a dependable private lender—not just the cheapest rate. If you operate via an LLC or corporation and need reliable capital for acquisitions, renovations, or ground‑up builds, you’re in our wheelhouse. We regularly fund shore rehabs and suburban infill across North Jersey, Central Jersey, South Jersey, supporting investors who value speed, clarity, and consistent draw schedules.

Yes. We partner with first‑time investors across New Jersey, offering practical guidance and straightforward underwriting so you can focus on execution. Whether you’re tackling a cosmetic flip or your first rental, our team helps you navigate budgets, valuations, and draws with confidence.

We fund investment‑purpose residential (1–4 unit), small multifamily, and select mixed‑use properties throughout New Jersey. Common projects include shore rehabs, suburban infill, small multifamily (2–4 unit). We support acquisitions, rehabs, DSCR take‑outs, construction, and short‑term bridge scenarios.

Primarily, yes. We emphasize collateral strength, ARV for fix & flip, and property cash flow for DSCR rentals. While credit and experience inform pricing and structure, asset performance and exit strategy are the core drivers for New Jersey approvals.

We look at the whole deal rather than a single number. Many New Jersey investors qualify with mid‑600s credit when paired with solid equity and a clear exit. Stronger credit can enhance pricing and leverage, especially on repeat projects.

As a direct lender, we underwrite based on real estate potential and business plan—not rigid checklists. New Jersey investors benefit from faster decisions, flexible draws, and funding options that support value‑add strategies banks may overlook.

Yes. Our DSCR loans in New Jersey focus on property income, enabling long‑term rental financing without traditional income verification. This is ideal for scaling portfolios—whether long‑term rentals or STR/MTR strategies in markets like Newark, Jersey City, Trenton, Atlantic City.

Absolutely. We provide private construction loans statewide, from lot acquisition through vertical build‑out. Expect responsive underwriting and milestone‑based draws to keep your schedule on track in commuter corridors markets.

Start online with project details and your timeline. We’ll issue a pre‑approval or term sheet quickly, then coordinate valuation and title. Borrowers across New Jersey appreciate fast, transparent closings and reliable funding from a direct lender that understands investors.