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Non Bank Commercial Property Loans
We help first time, underserved, ghosted, or recently rejected real estate investors & landlords get fast, flexible funding for investment properties.
- Buy
- Rehab/Stabilize
- Cash Out Refi
- Bridge to Permanent
What We Fund
Cash-flowing or value-add deals that need fast funding.
Up to $3M
This is our sweet spot !
💼Up to $50M
if the numbers make sense
How We Fund
We work with private lenders, debt funds, and select non-bank partners to offer funding solutions that move at the speed of your deal. We do our best to help you leverage your holdings and not decrease your cash position.
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Bridge Loans
Fast, flexible financing for purchases, rehabs, refis, and time-sensitive deals (21 days on average)
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SBA 7(a) EXPRESS Loans
Long-term financing with low down payments for qualified owner-users and some investment properties (funding in 60 days or less)
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Commercial DSCR Loans
Cash flow-based loans for rental properties with minimal income verification
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Hard Money & Private Lending
Short-term options for value-add and transitional properties (residential under 4 units)
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Small Balance Commercial Loans
For deals under $3M that traditional banks won’t touch
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Foreign National & Non-Recourse Options
Case-by-case solutions depending on the property, structure, and exit
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Portfolio Loans
Ideal for landlords and largely self-funded residential portfolios.
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Transactional Funds
Escrow protected funds for wholesaler double closing or seller carry HUD statements
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Fix and Flip*
Mixed portfolio investors with 2+ successful fix and flips required in the past 3 years.
Every deal gets matched based on risk, asset type, and the best path to close—not a one-size-fits-all lender list.
Who Is This For
unbanked & underserved cre investors
We work with:
- Commercial Investors who write off everything, but themselves!
- Multifamily Investors & Landlords who need fast, short, or long-term funding
- Investors who know & understand their numbers
- Investors who need funding to buy, refinance, and/or rehab a property
Why Us
We speak CRE fluently!
We’re investor-friendly because we invest in commercial real estate, too! We have the ability to personally connect you with Deal Finders, Insurance Agents, Title Companies, KP’s (debt sponsors), GP’s (General Partners), and Asset Managers to help complete your commercial real estate deal team.
Property Types We Fund
Multifamily
Luxury, Market Rate, Affordable, Senior & Student Housing
Healthcare
Owner-Occupied, Commercial Medical Office, Assisted Living, Nursing Homes
Retail
Single-Tenant, Multi-Tenant, Owner-Occupied Retail; Credit Tenant Leases
Self-Storage
Self-Storage: Refinance or Shovel Ready New Construction
Others
Warehouse, Industrial, Portfolio Loans for Single & Multifamily. Hospitality, Automotive Parks, Fix & Flip*
Office
Single Tenant, Multi-Tenant and Owner-Occupied
How We Work
3 Steps. No Guesswork.
Book a Strategy Call for YOUR next steps!
We match your deal with lenders via data points
Who’s Your Broker?
Fund Founder. Endless Do-Gooder.
Shoni lives where real estate meets real impact. She uses a bit of AI & tech and a hella lot of life experience to help people get funded, grow faster, and live better—focusing on small balance deals that make a big difference.
Shonika Proctor is a former tech geek turned Commercial Real Estate junkie and your soon to be favorite finance funny girl. She grew up in a skilled trades family that loved building — motocross bikes, race cars, and their own way through hard work, kindness, and resourcefulness.
Based in Colorado | Nationwide Funding
CRE drama, decoded.
Loan & Order: Live Better CRE Unit
Talk to Us!
We are ‘people’ people. Our goal is to make the hard, complex, or sometimes stressful things easy’er for you. And ultimately help you live better! Don’t be scurred to reach out with your CRE question(s). We got you!