Loan Programs

Fix & Flip

Short-term loans for the acquisition and improvement of residential investment properties.

Fix & Flip Icon

Ground-Up Construction

Financing for single-family and multi-unit construction projects.

Ground-Up Construction Icon

Multifamily and Commercial

Short-term financing for multifamily and commercial properties.

Multifamily and Commercial Icon

DSCR

Strategic loan options to help real estate investors build and maintain their portfolios.

DSCR Icon
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Why Merchants

Total Loans<br />
Funded

$5BN+ Total Loans
Funded

Total Housing<br />
Units Created

7,200+ Total Housing
Units Created

Total Clients<br />
Served

2,500+ Total Clients
Served

"I've financed three home rehabs with Merchants and have been very pleased with their responsiveness and competitive rates. I would recommend them to a close friend and would definitely use their financing services again."

John B. Real Estate Investor

"Merchants is an excellent resource for real estate investors. They offer reasonable fees and can close loans swiftly. The draw process is straightforward and typically completed within a week. I will definitely use Merchants again!"

Erin M Real Estate Investor

"Merchants is an outstanding private money lender, offering a range of loan products suitable for nearly any investor. Their fees and rates are significantly lower than the market average for private money. Their exceptional loan officers are quick, responsive, and straightforward and will go the extra mile to help you achieve your goals. I highly recommend Merchants to anyone seeking alternative funding for a real estate project."

Evan A. Real Estate Investor

"My business partner and I have repeatedly chosen Merchants for our financing needs, and we've been extremely satisfied with their competitive rates and excellent customer service. While many traditional hard money lenders charge upwards of 15% interest and 5 points in origination fees, Merchants offers much more reasonable terms, with rates as low as 8.75% and fair fees. We highly recommend this company and plan to continue doing business with them."

Ian R. Real Estate Investor

"Merchants has been an excellent partner for us throughout the years, providing funding for numerous fix and flip loans. Their terms are generally more favorable than other short-term lenders in the market. They are always very responsive and have consistently been able to close deals quickly, often in less than a week!"

Lisa D. Real Estate Investor

"Working with Merchants has been a game-changer for my real estate projects. They offer fast approvals, competitive rates, and excellent customer service. Their straightforward process and quick funding have made them my go-to choice for financing. Highly recommended!"

Dennis L. Real Estate Investor

"Merchants has been fantastic to work with. They provided quick and flexible financing that helped me close deals efficiently. The team is professional, responsive, and makes the whole process smooth and stress-free. I highly recommend them for any real estate investment needs!"

Samantha L. Real Estate Investor

"Partnering with this hard money lender has been a great experience. They offer competitive rates and a straightforward application process. The team is knowledgeable, responsive, and always ready to assist. Their quick turnaround times have been invaluable for my investment projects."

Alex C. Real Estate Investor