Land loans
Financing to buy or refinance land for development. Land lenders usually lend a lower share of value than on built property (often around 50% to 60%), prefer entitled land, and expect a clear plan and timeline to build or sell. Terms are typically short, about 12 to 24 months.
HOA and condo association loans
Loans to homeowner and condominium associations for repairs, capital improvements, and special projects, typically repaid from association assessments. These are business-purpose loans to the association, not to individual owners.
Business Debt Refinance
Replace high-cost daily or weekly merchant cash advance payments with a fixed-payment business term loan. Fixed monthly payments, a set maturity date, and no percentage-of-sales repayment. Subject to lender approval. Business purpose only.
Figures are general examples drawn from current lender programs, not an offer or commitment to lend. Actual terms are set by the lender and depend on the deal, the borrower, and underwriting.
How it works with US Funding
- Initial review. Tell us the deal and the numbers. You get a fast, honest read at no cost.
- Engagement. If we can help, we sign a short engagement letter and a business-purpose certification. No fee is due unless your loan closes.
- Strategy & placement. We match your file to the lenders most likely to approve it and compare the term sheets with you.
- Close. Documents, signatures, and funding, managed to the finish. Our fee, if any, is paid at closing through the closing statement.
FAQs
Do you lend on raw land?
Land loans are lender dependent. Entitled land with a clear development plan is the easiest to finance; raw land usually needs more equity.
Can you help me get out of a merchant cash advance?
We can help you apply for a fixed-payment business term loan that pays off existing advance debt. We do not arrange new advances.
Do you charge a fee up front?
No. Any fee to US Funding is paid only at closing, after you accept a binding lender commitment.
Tell us about your specialty deal
Start your application in minutes, or let our quick tool point you to the right program. No upfront fees to find out.