Anchor Loans is the nation’s #1 direct lender for multimillion-dollar real estate investments. We regularly fund projects up to $15 million. Our minimum loan amount for fix and flip is $100k.
The preferred minimum credit score is 650, but it can be lower on a case-by-case basis.
Our loans generally do not exceed 70% ARV (After Repaired Value). This amount can include purchase price, rehab costs and closing costs.
Our risk-adjusted interest rates range between 9% and 12%. Points range from 0.5% to 3%.
From initial application (to borrower approval and property valuation to funding), the expected funding time is one to two weeks. For a pre-approved customer, rush deals can be approved and funded in as little as two days, but most deals take approximately five business days to fund.
Anchor does not have an owner-occupied loan program. We lend to experienced real estate investors for the purchase, improvement and construction of non-owner occupied properties, including rentals.
A bridge loan is a short-term real estate loan used to acquire, refinance, recapitalize, or stabilize a property before permanent financing or sale. Bridge loans are commonly used for time-sensitive transactions, transitional assets, and properties not yet stabilized. Anchor Loans provides first-lien bridge loans for business-purpose real estate projects nationwide.
A bridge loan is used when a borrower needs fast, flexible capital for a transitional real estate project. Common use cases include acquisitions, entitlement periods, cash-out recapitalizations, rate-and-term refinances, and property stabilization. Anchor Loans bridge loans allow investors and developers to move quickly while maintaining flexibility during execution of their business plan.
A fix and flip loan is short-term real estate financing used to purchase and renovate an investment property for resale or rental. These loans fund both acquisition and renovation costs during the improvement phase. Anchor Loans provides fix and flip loans for 1–4 unit residential properties, condominiums, and select residential land scenarios, secured by a first-lien position.
Fix and flip loans fund property acquisition and provide renovation capital through inspection-based draw schedules. Loan proceeds are typically structured based on total project cost or after-repair value, with final terms determined by project scope, market conditions, and borrower experience. Anchor Loans structures fix and flip loans with interest-only payments and streamlined draw processes to support efficient project execution.
A ground-up construction loan finances the development of a new residential property, including land acquisition and construction costs. These loans fund projects from initial site work through completion. Anchor Loans is a leading private lender for residential ground-up construction, providing first-lien, business-purpose construction loans for single-family homes, townhomes, condominiums, and 2–4 unit projects nationwide.
Ground-up construction loans are used by experienced builders and residential developers creating new housing. Borrowers typically operate through LLCs, LPs, trusts, or corporate entities. Anchor Loans works with qualified builders and developer sponsors that meet experience and credit standards, providing flexible construction financing throughout the build cycle.
Yes. Anchor Loans provides institutional and large-balance private real estate loans for experienced sponsors, builders, and developers. The firm supports single-asset and portfolio-level transactions, including large-scale residential developments, build-to-rent communities, production homebuilder facilities, and multi-project construction strategies nationwide.
Anchor Loans offers institutional construction and development financing, including construction term loans, construction revolving facilities, production homebuilder facilities, acquisition and development financing, and land banking solutions. Institutional loans are structured based on project fundamentals, total cost, projected value, and sponsor experience, with proceeds advanced through inspection-based draws and disciplined first-lien risk management.
Anchor lends in 48 states. We currently do not lend in Vermont or South Dakota.
Log in to your account and click your deals tab.
If your exit strategy has hit a bump, please be sure to contact your Anchor team before your loan maturity date arrives. An extension can be granted if payments are current.
Please email your request to demand@anchorloans.com. Turnaround time for a payoff request is 48-72 hours.
Email your completed draw request form to your Anchor team and an inspector will verify work completed on-site within 24 - 72 hours. Approved draw requests are wired within 12 - 24 hours. Click here if you need detailed draw request instructions and forms.
Please visit our careers page and scroll down the page to click on the department you are interested in. Job openings are listed by department and you can apply online. Please do not call regarding job openings.
Anchor Loans is one of the nation’s largest direct private lenders, providing first-lien, business-purpose real estate loans to investors, builders, and developers nationwide. Founded in 1998, Anchor Loans has funded over $22 billion across multiple real estate cycles. The company specializes in bridge loans, fix and flip financing, ground-up construction loans, DSCR rental loans, and institutional-size residential development financing.
A direct private lender is a non-bank lender that funds real estate loans using its own capital rather than brokering loans to third-party institutions. Direct private lenders focus on asset value, project fundamentals, and execution speed. Anchor Loans is a direct private lender providing first-lien, business-purpose financing for acquisition, refinance, renovation, bridge, and ground-up construction projects across the United States.
Anchor Loans offers bridge loans, fix and flip and renovation loans, ground-up construction loans, DSCR rental financing, build-to-rent loans, land banking loans, and institutional-size private real estate financing. All loans are business-purpose and secured by a first-lien position, supporting residential investment and development projects nationwide.
Borrowers should look for a private lender with consistent capital, first-lien lending, transparent draw processes, and experience across multiple real estate cycles. Anchor Loans has funded over $22 billion in real estate loans and specializes in bridge, renovation, and ground-up construction financing, providing execution certainty from closing through payoff.
