Flexible capital solutions for investors who need certainty and speed — from acquisition through exit.
Benevolend is a direct private lender built specifically for real estate investors — not a broker, not a bank committee, and not a process built around anyone else's calendar. We underwrite the asset and the plan, not just a credit score, so financing decisions happen in days, not months.
Every loan is managed by the same team from application to funding, which means the person who approved your deal is the person you call when a draw needs to move. We believe reliable capital is a relationship, not a transaction: clear terms up front, no surprise conditions at the closing table, and a lending partner who understands what it actually takes to close, renovate, build, and hold investment property.
Four core programs, one underwriting team, and terms that flex to how you actually invest.
Qualify on cash flow, not your pay stub.
Long-term financing for rental property investors, underwritten against the property's income instead of personal income documentation.
Purchase and rehab, funded on one draw schedule.
Short-term acquisition and renovation capital designed to keep a project moving from close to resale.
Move on a deal before financing catches up.
Short-term interim financing that lets you act on transitional or time-sensitive property before permanent financing is in place.
Ground-up capital, released as you build.
Draw-based construction financing for builders and developers taking a project from lot to finished home.
Streamlined underwriting built to fund in days, not months.
We fund from our own balance sheet — no broker markups or delays.
Underwriters who understand rehab budgets, draws, and exit timelines.
Terms shaped around your deal and your investing strategy.
Pricing built to keep your projects profitable, not just funded.
One dedicated point of contact from application through funding.
Draws released on schedule so your project timeline doesn't slip.
Programs available to investors across the country.
Submit your deal details and property information through a short online application.
Our team reviews the property, plan, and exit strategy within one business day.
We finalize terms based on the asset and project, not just personal credit.
Receive your term sheet and clear-to-close conditions in writing.
Close and fund — with draws released on a schedule that matches your project.
DSCR Loans
A DSCR (Debt Service Coverage Ratio) loan is underwritten using the rental property's income rather than your personal income, making it a common choice for investors who don't want to document W-2s or tax returns.
Yes. DSCR programs can be structured around projected or actual short-term rental income, in addition to traditional long-term leases.
Hard Money
Hard money loans are short-term, asset-based loans from a private lender rather than a bank, typically used to fund purchases, renovations, or construction quickly.
Hard money lending prioritizes speed and flexibility over rigid bank underwriting timelines, which matters for time-sensitive acquisitions, distressed properties, or projects that don't fit conventional lending boxes.
Bridge Loans
Bridge loans are useful when you need to close on a property before permanent financing, a sale, or a refinance is finalized.
Most of our bridge loans are structured as interest-only during the term, which keeps monthly payments low while the property is in transition.
Construction Loans
Funds are released in stages as construction milestones are completed and verified, rather than all at once at closing.
Yes, our construction program supports both speculative builds intended for sale and build-to-rent projects intended to be held.
Closing Times
Many loans close in as few as 10 business days from application, depending on how quickly documentation and property information are provided.
Delays are most often caused by missing documentation, title issues, or appraisal scheduling — our team will flag these early so they don't stall your timeline.
Loan-to-Value
LTV and loan-to-cost vary by program, property type, and experience level; our team will walk you through specific leverage for your deal during review.
Credit
Because we underwrite primarily against the asset and the deal, we're able to work with a wider credit range than a conventional bank — reach out with your scenario and we'll let you know what's possible.
Experience Requirements
No. We work with both first-time investors and seasoned operators; experience can affect leverage and pricing, but it isn't a hard requirement.
Yes, most of our investor loans close in the name of an LLC or other business entity.
Share a few details and our underwriting team will follow up with next steps — usually within one business day.
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