Emerald Capital Funding originates marketable short term commercial loans secured in first position by real estate. The variation of projects funded include; new construction, rehab flips and land development. The borrowers we work with are generally full-time real estate entrepreneurs, experienced in both real estate and contracting. They comprehend the steps and details necessary to professionally complete a project. These loans provide services for two customers at the same time, real estate entrepreneurs to fund their projects and investors to earn a return on money.
Three distinct factors differentiate us in the market for borrowers; quick loan decisions, quick funding, and a hands-on, personal approach looking at the borrowers’ profitability. Other competitive lending companies can take several weeks to make a funding conclusion or are focused on their own profit vs. the viability of the project. Our system allows a decision to be made within 24-hours upon the receipt of all required information. The system set in place will allow funding within 3 days if all details are in order. Some competition has a “lend to own” mentality with their underwriting, we focus on the borrowers’ ability to make a profit on the project. One requirement to approve a loan is the numbers need to suggest a good profit margin for the borrower. These distinguishing factors are the reasons borrowers form continued relationships and refer our services.
Investors choose to work with us because of our persistent and successful record of accomplishment within the private lending space for numerous years, a long clientele of tried and true borrowers, and great return on their invested money. In the past 8 years Lending Advantage has originated and serviced over $60million in private loans with a 99.1% payback rate. We have established a substantial pool of great borrowers who consistently perform on their projects delivering profitable outcomes for all parties.