Loan Programs

Financing for Every Investment & Business Strategy

Strategic funding for 1-4 unit investments, business loans for growth, and high limit lines of credit-built for operators.

Fix and Flip / Rehab Loan

Purchase, Renovate, Profit

GrowWise Lending offers fast funding for investors who buy distressed properties, renovate them, and sell for a profit. 100% Financing available with GAP Funding to finance down payment & closing costs.

Rates

From 7%

Term

Up to 24 months

LTC

90% of Purchase + 100% REHAB

Closing

10-day closing

Min Loan

$100K

Origination

4%

2-Minute Application
Get an Offer in 24 hours
90% of Purchase + 100% REHAB
100% Financing available with GAP Funding — to finance down payment & closing costs
10-day closing
Minimum loan: $100K
Interest-Only Loan — Monthly Payments — No Pre-Payment penalty
Single-Family Residences, 2 to 4 Unit Residential buildings — Non-Owner-Occupied
Credit 660+, Low-Doc, No Income Verification
First-Time Flippers are welcomed (Minimum FICO: 700+)

DSCR Rental Loan

Long-Term Rental Financing Based on the Asset, Not Your Paycheck

GrowWise Lending offers a DSCR Rental Loan that focuses on your asset, not your paycheck. We underwrite the asset: lease agreements, market rents, property income potential — so you can grow your rental portfolio without the limits of traditional bank mortgages.

Rate

From 5.75%

Origination

4%

Pre-Approval

24 hours

Closing

21 – 30 days

DSCR

Debt Service Coverage Ratio

Purpose

Long-term rental loan

DSCR = Debt Service Coverage Ratio
Long-term rental loan, similar purpose as a 30-year mortgage
But radically different from a conventional bank mortgage in how you qualify
We underwrite the asset: lease agreements, market rents, property income potential
Get pre-approved in 24 hours | Closing Timeframe: 21 to 30 days
Interest starts at 5.75% | Origination Fees: 4%

Ground-Up Construction

Built on the Deal and Your Experience, Not Your W2s

Doing ground-up construction or a major value-add renovation? GrowWise Lending cares more about the deal and your experience than your W2s. Approval is based on the asset and the project's strength, not just your paycheck.

Term

12 – 18 months bridge loan

Min Credit

680+

Repayment

Interest-only during construction

Structure

Staged draws

Decision Basis

LTV & ARV

Inspections

On-site required

Decisions driven by Loan-to-Value (LTV) and After-Repair-Value (ARV)
We look at your construction experience and the project's overall viability
Minimum credit score of 680+, but we're not hung up on tax-return gymnastics
Repayment: Interest-only payments during construction to help manage cash flow
Terms: 12–18 months bridge loan
Structure: Funds are disbursed in stages ("draws") based on project milestones, which requires on-site inspections

Business Line of Credit

A Traditional Line of Credit Within Hours

GrowWise Lending gets you a line of credit fast, unlike the bank. Get pre-approved with a 5-minute form and have 24/7 access to funds just in case — so you never miss out on a great opportunity to a competitor due to lacking funds.

Revenue Min

$20k/month

Min FICO

650+

Application

5-minute form

Payments

Only on funds you use

Use

Any purpose

Funding

Within hours

Pay only on funds you use
Firms making $20k/month minimum
Must have a 650+ FICO score
5-minute form for your approval
Use funds for any purpose (inventory, marketing, expansion etc.)

Working Capital Loan

Fast, Affordable Funding Based on Your Revenue

GrowWise Lending gets you funded per your revenue only, fast and affordably. Get up to $2M in short-term funding to consolidate or refinance existing loans — with funding possible within 24 hours.

Max Loan

Up to $2M

Revenue Min

$5k/month gross

Payments

Weekly or bi-weekly

Application

5-minute form

Funding

Within 24 hours

Type

Short-term funding

Get up to $2M | Short-term funding
Firms grossing $5k/month minimum
Pay weekly or bi-weekly
5-minute application for your approval
Consolidate or Refinance existing loans
Funding possible within 24 hours

Startup Funding

Up to $500K in Days — Keep 100% Ownership

GrowWise Lending offers a faster, simpler way to get startup funding — up to $500,000 in days, not months. No business plan needed, no equity given away. We never charge anything upfront. If you are not funded, we work for FREE.

Max Funding

Up to $500K per Founder

Funding Speed

As little as 3 – 5 days

Min Credit

680+

Credit Util.

Below 40%

Terms

3, 5, or 7 years

Structure

Personal loan + business credit cards

Up to $500,000 per Founder in as little as 3–5 days
No need for business plans, financial projections, or endless meetings
You keep 100% ownership: No equity given away by using your credit, not investors
We never charge anything upfront. If you are not funded, we work for FREE
Combination of personal loan and business credit cards | Terms: 3, 5, or 7 years
Minimum credit score of 680 | Credit utilization must be below 40% | Need verifiable income

Ready to Fund Your Next Deal?

Get pre-qualified in minutes. Our team is standing by to help you close your next investment property or secure capital for your business quickly and efficiently.