Residential Investor Loans
Financing from $75,000 to $2,000,000 for 1–4 unit investment property, with no personal debt-to-income or DSCR requirement to qualify.
SBL Direct Capital
Direct, Asset-Based Real Estate Lending
SBL Direct Capital is a direct lending program from Small Business Lending, Inc. for real estate investors — loans that close and fund in our own name, underwritten around the property rather than personal income documentation.
Direct lending, not a marketplace
We close and fund these loans ourselves.
SBL Direct Capital loans are not brokered out to a call center or resold to the highest bidder. Small Business Lending, Inc. closes and funds these loans in its own name, then manages the file with the same team from application through funding.
We Close and Fund the Loan
Loans in this program close and fund in the name of Small Business Lending, Inc. at the closing table — not a broker desk or online marketplace.
Asset-Based Underwriting
Approval is built around the property's value, condition, and income potential — not personal tax returns, W-2s, or income seasoning.
Flexible on Borrower Profile
Entity borrowers, foreign national borrowers, and borrowers with limited U.S. credit history are eligible for many transactions.
One Team, Start to Finish
The team that structures your file is the same team that funds and closes it — no hand-off to a separate closing desk.
Program overview
Financing for real estate investors, built around the deal.
SBL Direct Capital covers residential investment property, ground-up rehab, commercial real estate, and multifamily transactions through one direct lending program. Because we underwrite the collateral and the transaction rather than a stack of personal financial documentation, files move on the timeline real estate deals actually require.
What SBL Direct Capital Finances
Fix-and-Flip & Rehab Loans
Purchase and rehab financing up to 90% of cost, with rehab funds advanced toward up to 75% of after-repair value on a 12-month interest-only term.
Commercial Real Estate Loans
Financing from $100,000 to $5,000,000 for eligible commercial property, up to 70% loan-to-value, with no lender points on qualifying transactions.
Multifamily & Mixed-Use Loans
Financing from $100,000 to $5,000,000 for properties with 5 or more units, up to 75% loan-to-value.
SBL Direct Capital Loan Programs
Direct 30
Long-term, fixed-rate financing for rental and commercial property, with no balloon payment.
- 30-year fixed, fully amortized, or 5-year interest-only
- Up to 75% LTV (70% on commercial)
- Purchase, rate-term, and cash-out refinance
- No DSCR requirement on 1–4 unit investor loans
Direct Rehab
Short-term purchase and rehab financing for 1–4 unit investment property.
- 12-month interest-only term
- Up to 90% of cost and 75% of after-repair value
- Rehab funds advanced through draws
- For investors with recent rehab or rental experience
Direct Bridge 24
A two-year, interest-only loan for investors who need time to stabilize, sell, or refinance.
- 24-month interest-only term
- Up to 75% LTV on 1–4 unit property
- Purchase and refinance
- No prepayment penalty
Direct Equity 50
Lower-leverage, equity-based financing for borrowers with credit challenges.
- Up to 50% LTV, 30-year fixed
- No minimum credit score
- Recent bankruptcy or mortgage lates considered
- Residential, multifamily, mixed-use, and commercial
Eligible Property Types
Multifamily (5+ Units)
Office
Mixed Use
Retail
Warehouse
Self-Storage
Auto Services
Investor 1-4 Units
Day Care Facilities
Our process
Structuring, underwriting, and funding — handled directly, start to finish.
01 — StructuringWe review the property, the borrower's plan, and the exit strategy to structure the loan amount, leverage, and terms around the transaction.
02 — UnderwritingWe underwrite the collateral and the deal itself — value, condition, and income potential — rather than personal tax returns or W-2 income.
03 — Closing & FundingThe loan closes and funds in the name of Small Business Lending, Inc., keeping the file under one roof through the closing table.
04 — Post-Closing CoordinationWe remain the point of contact after closing for servicing questions and next steps on future transactions.
Request a review
Let our lending team review your transaction.
Submit the basic property and transaction details and a member of our team will contact you regarding structure and next steps. Prefer to talk first? Contact our team.