Questions? (719) 895-1177

TENNESSEE'S REAL ESTATE LENDING EXPERTS

Real Estate Funding Built for Memphis Investors

Hard Money, Private & Asset-Backed Financing

Get fast, flexible capital for fix & flips, rental portfolios, and commercial acquisitions. We close deals in days, not weeks, with simple terms tailored directly to your investment strategy.

Let's Review Your Deal

Submit details below for a prompt funding assessment.

BUILT BY INVESTORS

Greater Memphis Area

MULTIPLE PROGRAMS

FUND IN 5 - 7 DAYS

Memphis Real Estate Financing

Real Estate Funding That Understands the Deal

Traditional banks tie you down with red tape and slow underwriting. We focus on the value of the property and your exit strategy. As active Tennessee real estate investors ourselves, we deliver fast, asset-based solutions tailored to help you capture opportunity and build wealth.

FLEXIBLE REAL ESTATE CAPITAL

Our Lending Programs

Get fast, reliable asset-based funding options tailored for fix-and-flip, long-term rentals, bridge needs, and new construction.

Fix & Flip Loans

Secure leverage up to 90% of purchase price and 100% of renovation costs. Standard programs ranging from $50K to $3M+ with fast, digital-first draw approvals.

Bridge Loans

Transition assets smoothly with bridge capital from $100K to $50M. Flexible short-term horizons of 6 to 24 months, custom tailored to your repositioning strategy.

DSCR Rental Loans

$75K to $3M+ rental leverage. Zero personal income verification required. We qualify the loan purely based on the property’s debt service coverage ratio.

Refi & Cash Out

Leverage up to 80% LTV to unlock liquidity from single assets or entire portfolios. Take your cash-out equity and rapidly reinvest it into high-yield acquisitions.

Ground-Up Construction

Finance your next build with up to 85% LTC. Designed for experienced developers constructing single-family infill, multi-family, or build-to-rent properties.

Commercial & Specialty

Bespoke capital for self-storage, mixed-use, retail, or industrial spaces. Reach out to our underwriting team to craft customized structures for your unique commercial deal.

ASSET-BACKED PRIVATE LENDING

Real Estate Funding Focused on the Deal

Traditional banks get bogged down in tax returns, historical income statements, and credit score perfectionism. We do things differently. As premier asset-backed private lenders, we believe that property value, real equity, and overall transaction strength should drive the lending decision. If you have a viable deal, we have the strategic capital to fund it.

THE PROPERTY MATTERS. THE DEAL MATTERS.

COLLATERAL-FIRST ADVANTAGES

Underwriting based on After-Repair Value
No dynamic income verification requirements
Expedited funding windows in 5 to 7 days
Flexible structures for diverse properties
Direct, local Memphis decision makers

Real Estate Financing for the Greater Memphis Area

Our 3-Step Financing Process

From fix-and-flips to commercial property acquisitions, we leverage real estate equity along the Front Range to secure speed-to-close capital without traditional banking delays.

Tell Us About the Deal

Share your loan request details online. Include property purchase price, rehab budget, and your estimated after-repair value (ARV). It takes under 5 minutes.

Review Your Options

Our deal desk models the transaction and issues direct, competitive financing terms. No bait-and-switch—just transparent loan-to-value structure and clear rates.

Move Toward Closing

Confirm your customized term options. We handle streamlined local underwriting and clear local title requirements, pushing forward to fund within days.

Direct Process Insights

No hidden hoops. Honest Tennessee asset-backed lending requirements built for active real estate investors.

What underwriting details do we require to start?

We need the basic property details, purchase agreement, a short overview of your renovation experience, and your detailed project rehab budget template.

How fast does our underwriting move?

Typically, direct term sheets are produced within 24 business hours of request. Standard underwriting to close timeline spans 7-10 calendar days under normal parameters.

Can we fund deals with commercial attributes?

Yes, we look at multifamily properties, mixed-use buildings, and commercial real estate assets throughout the greater Memphis area.

Tennessee'S FAST ASSET-BASED REI LENDER

GOT A DEAL? LET'S TALK.

CALL (719) 895-1177

No automated robot portals or endless red tape. Speak with a principal partner who has local Memphis decision authority.

FLEXIBLE REAL ESTATE CAPITAL

Funding for New and Experienced Investors

Whether you are breaking into the market with your very first fix-and-flip or scaling an expansive commercial portfolio, we provide the reliable private capital you need. We don’t believe in one-size-fits-all lending. Instead, we analyze the strength of your deal and your unique investment strategy to deliver swift, flexible asset-based solutions.

New & Emerging Investors

Gain the confidence to win competitive bids. We help you build a profitable track record with educational deal review, swift proof of funds, and reliable guidance through your first successful closing.

Experienced Professionals & Syndicators

Optimize your capital stack and velocity of money. Access high leverage, lines of credit for multiple concurrent acquisitions, and streamlined repeat-borrower processes that clear obstacles instantly.

Your Funding Advantage

Secure the essential tools needed to lock down deals.

Private Real Estate Financing

Real Estate Investor Financing Across The Greater Memphis Area

Get local expertise, lightning-fast closings, and institutional-grade private funding for your residential, commercial, or fix-and-flip acquisitions.

Let's Review Your Deal

Fill out the form below to connect with a Tennessee underwriting specialist within minutes.

Why Partner With Creative REI?

Professional private financing crafted specifically for ambitious real estate investors looking to move fast and close with confidence.

Investor Experience

Built by active real estate professionals. We evaluate deals through an entrepreneurial lens, helping you avoid standard pitfalls and scale your business.

Multiple Programs

From fix-and-flips and ground-up construction to long-term DSCR rentals and bridge loans. We align you with the ideal leverage product for your model.

Deal-Based Approach

Collateral quality and actual profit potential drive our underwriting. We look past credit limits to help you successfully leverage solid asset equity.

New Investors Welcome

No door is shut on beginners. Benefit from real-world market guidance, detailed rehab budget reviews, and hands-on coaching to close your first project.

Pre-Approval Options

Acquire swift, reliable proof-of-funds letters to submit winning offers instantly. Show local sellers and listing agents you have real, verified capital backing.

Straightforward Communication

No bait-and-switch terms, no surprise junk fees at closing, and absolutely zero runarounds. Speak directly with real decision-makers who honor their word.

Ready to Fund Your Next Project?

Receive a fast, zero-commitment capital estimate within 24 hours. Let’s make your next deal happen.

Have a Property Under Contract?

Call Now and Let's Review the Deal.

(719) 895-1177

GOT QUESTIONS? WE HAVE ANSWERS

Frequently Asked Questions

What is a hard money loan and when should I use one?

A hard money loan is a short-term, asset-backed loan secured by real estate. Investors use them for quick acquisitions, fix-and-flips, or bridge situations where traditional banks are too slow to finance.

Do you require a minimum credit score for approval?

We look primarily at the asset quality, equity, and deal profitability. While we do not have a hard credit score cutoff, stronger credit profiles may qualify you for our lowest interest rates and highest leverage points.

How does your DSCR loan program work for rental properties?

DSCR (Debt Service Coverage Ratio) loans qualify rental properties based on the property’s actual or projected rental cash flow rather than your personal income or tax returns. If the rental income covers or exceeds the monthly mortgage payment (DSCR >= 1.0), the property qualifies.

What are your liquid reserve requirements for borrowers?

Typically, we look for 3 to 6 months of principal, interest, taxes, and insurance (PITI) liquid reserves. This ensures project viability, handles unexpected delays, and guarantees smooth renovation draw stages without project cash crunches.

How quickly can you fund a new Tennessee deal?

As a local Tennessee private lender, we move fast. We can frequently close and fund your project within 5 to 7 business days once we receive the appraisal or clear valuation report and clean title insurance.

Do you finance 100% of the renovation costs?

Yes, we can fund up to 100% of the renovation budget via structured draws, provided the total loan-to-value (LTV) and loan-to-cost (LTC) fit within our standard underwriting metrics for your specific deal grade.

What properties are eligible for your financing programs?

We fund non-owner occupied residential properties (1-4 units), multi-family apartments, townhomes, condos, and mixed-use commercial projects transitioning through value-add or development stages.

Are there prepayment penalties on your fix-and-flip loans?

No, our standard fix-and-flip and short-term bridge programs feature zero prepayment penalties, giving you absolute freedom to complete repairs and sell or refinance as soon as your project is finalized.

Do you lend throughout all of Tennessee?

We primarily focus on the Greater Memphis Area. However, we will also structure loans for strong, cash-flowing projects in other choice Tennessee communities.

What documentation do I need to submit my deal?

Our application pipeline is streamlined. To begin, we require a basic loan application, your project’s purchase contract, a detailed renovation budget breakdown, and your corporate entity documentation.

Your Next Memphis Deal Starts With a Conversation

No red tape. No standard institutional delays.
Just custom capital solutions designed by local investors who know Memphis inside and out.

CREATIVE REI FUNDING GROUP

Contact Our Team

Phone: (719) 895-1177

Memphis, TN