Why Merchants

For over 60 years, Merchants has been a trusted partner for real estate investors across the United States. As a leading private lender, we specialize in providing strategic loan solutions for Fix & Flip, Ground-Up Construction, Multifamily, and DSCR investment properties.

Our experienced team is dedicated to helping real estate investors build their business through our flexible and competitive financing options. Whether you are looking to purchase, refinance, or undertake a new real estate investment project, Merchants provides the expertise, capital, and support you need to reach your investment goals.

Ready to get started?

Apply Now

Benefits of Partnering with Merchants

Staff Experience

From initial consultation to final loan approval, our experts provide personalized support and tailored advice, ensuring a smooth and successful financing journey.

Fast Approvals and Closings

Receive rapid pre-approvals, usually within 24 to 48 hours, and closings within 5 business days.

Improvement Funds

Unlike most lenders and conventional banks, we can offer high leverage on both the purchase price AND repair cost.

Borrower Flexibility

Properties can be titled under such entities as limited liability companies (LLCs), corporations, or partnerships.

Competitive Pricing

Whether you're a seasoned investor or just beginning your journey, you'll find our rates to be among the most competitive in the industry.

100% Financing

If you own another investment property free and clear, you may be able to cross collateralize to cover the down payment.*

*Not available for all projects and subject to loan review and borrower qualifications.

Mission Statement

Our mission is to empower real estate investors and entrepreneurs by providing swift, reliable, and flexible financing solutions tailored to meet their unique needs.

With a focus on integrity, transparency, reliability, and personalized service, we strive to build lasting relationships and contribute to the prosperity of the communities we serve.

We aim to support the sustainable growth and development of our clients by offering flexible and customed financial products that cater to their evolving needs. Our commitment to ethical best practices, financial education, technology, and community engagement ensures that we contribute to the success of individual investors and foster a vibrant, resilient real estate market for future generations.