Real Estate Financing That Moves as Fast as You Do.
Merchants Mortgage specializes in real estate investment loans designed for speed, flexibility, and results. From fix-and-flip and ground-up construction to multifamily, bridge, and DSCR loans, we deliver the capital and expertise to help you scale with confidence.
Our experienced team offers competitive terms, quick pre-qualification, and hands-on guidance through every stage of the process.
Our Loan Products
- Fix & Flip
Short-term loans for the acquisition and improvement residential investment properties
- Ground Up Construction
Financing for single family and multi-unit construction projects
- Multifamily & Commercial
Fast financing for multifamily and commercial properties
- DSCR
Rental-income-driven loans designed to strengthen and scale investor portfolios
Flexible, adaptable, and adjustable plans to fit your needs.
Every investor’s journey looks different — and your financing should, too.
Our team is here to help you every step of the way — offering responsive communication, personalized guidance, and hands-on support from application to close.
At Merchants, you’ll always work with real people who understand your business and are invested in your success
Our Happy Clients
Why Investors Choose Merchants
We make real estate financing simple, fast, and reliable — so you spend less time on paperwork and more time on profitable deals.
Experienced Loan Officers
Professional loan officers guide you every step of the way — from initial consultation to final approval, with expert advice tailored to your goals.
Fast Approvals & Closings
Pre-approvals within 24–48 hours and closings within 5 business days — so you can compete effectively with all-cash buyers.
Borrower Flexibility
Title under LLCs, corporations, or partnerships. No cap on properties owned. Self-directed IRA loans available with additional down payment.
Competitive Pricing
Rates and fees among the most competitive in the industry — for experienced and first-time investors alike. No prepayment penalties on Fix & Flip.
Purchase + Rehab in One Loan
We bundle the purchase price and repair costs into a single loan — making it easier to invest in properties that need renovation work.
Trusted Since 1961
Over 60 years of expertise, $5BN+ in RTL loans funded, and a KKR-backed balance sheet — one of the nation's most established private lenders.
From Application to Funded in Days
Our streamlined four-step process gets capital into your hands fast — so you never miss a deal.
Submit Your Application
Complete our online application in minutes with basic property and investment plan details.
Get Pre-Approved
Receive pre-approval within 24–48 hours, valid for 60 days — giving you time to find the right deal.
Secure Your Property
Once under contract, submit your budget questionnaire. Our team reviews and approves quickly.
Close & Get Funded
Close within 5 business days. Funds disbursed — ready to execute your investment strategy.
Compare Our Loan Programs
Find the right financing structure for your next investment — all in one place.
| Program Feature | Fix & Flip | Ground-Up Construction | Multifamily / Commercial | DSCR |
|---|---|---|---|---|
| Loan Amount | Up to $5M | Up to $5M | $500K – $10M | Varies |
| Max LTV / LTC | 90% purchase + repairs | 85% LTC / 65% LTV | 70% LTC | 80% LTV |
| Starting Rate | 8.75% | 10.00% | 9.99% | 6.50% Fixed |
| Loan Term | 9–12 Months | Up to 24 Months | Up to 36 Months | 30-Year Fixed |
| Min. Credit Score | 620+ | 620+ | 620+ | 660+ |
| Prepayment Penalty | None | Varies | Varies | Varies |
| Typical Closing | 5 Business Days | 5 Business Days | 5 Business Days | 5 Business Days |
Over 60 Years Funding Real Estate Investors
Founded in 1961 in Greenwood Village, Colorado, Merchants Mortgage & Trust has grown into one of the nation's most trusted private real estate lenders — now backed by global investment firm KKR.
We've funded over $5 billion in RTL loans, helped create 7,200+ housing units, and served 2,500+ investors across 41 states.
Founded in Colorado
Merchants Mortgage & Trust Corporation established in Greenwood Village, CO.
National Land Developer Lender
Became a leading lender to land developers across the Western United States.
Expanded Coast to Coast
Merged with Orchard Funding; opened regional offices in California and Oregon.
KKR Partnership
KKR acquired Merchants, significantly strengthening capital resources and national reach.
$5BN+ RTL Loans Funded
Crossed $5B in total RTL loans; became largest originator in Toorak Capital's first-ever rated RTL securitization.
Merchants finances non-owner-occupied investment properties including 1–4 unit residential for Fix & Flip, single-family and multi-unit ground-up construction, multifamily residential, mixed-use, offices, and industrial/warehouse. We also finance bank-owned, wholesaled, HUD foreclosures, short sales, and auctioned properties.
Pre-approvals are typically issued within 24–48 hours. Closings can happen within 5 business days, allowing you to compete with all-cash buyers. Pre-approvals are valid for 60 days.
Fix & Flip and Ground-Up Construction require 620+, with some exceptions considered. DSCR loans require 660+. Rates and terms also depend on experience, down payment, and liquidity.
Yes, in certain scenarios. Cross-collateralization or our Down Payment Reserve Account can enable 100% financing. For ground-up construction with a free-and-clear lot, Merchants can finance 100% of hard construction costs.
Fix & Flip loans have no prepayment penalties. Prepayment terms on Ground-Up, Multifamily, and DSCR loans vary and are disclosed at the time of approval.
Merchants is an active lender across 41 states with established offices and lending partners nationwide. Contact us to confirm availability in your specific state.
Yes. Properties can be titled under LLCs, corporations, or partnerships. Investors are not restricted by the number of properties they already own. Self-directed IRA loans are also available with an additional down payment.
Ready to Fund Your
Next Real Estate Deal?
Join 2,500+ investors who trust Merchants Mortgage to deliver fast, reliable capital. Apply today and get pre-approved within 48 hours.