Real Estate Financing Solutions

Real Estate Financing for Investors and Developers

Bridge loans, hard money, DSCR, ground-up construction, and non-QM financing for residential and commercial real estate investors at every scale. Our team works with a wide range of funding sources to structure deals that conventional financing cannot handle.

Who We Work With

Built for Investors Who Operate on Real Estate Timelines

Conventional financing moves at a pace that does not work for acquisitions, transitional deals, or construction projects. Our team works with investors who need capital structured around real estate fundamentals, not personal income documentation and 60-day timelines.

We work with single-property investors, active fix-and-flip operators, multifamily developers, commercial property buyers, and portfolio-scale investors across both residential and commercial asset types. Whether you are closing your first investment or your fiftieth, our advisors understand deal structure and move at the pace your transaction requires.

See Your Options
5–10 days

Business Days for Hard Money Close

80%

Max LTV on Select Programs

$0

Upfront fees to Surge

7+

Real Estate Programs Available

Loan Programs

Real Estate Financing Options

Select a loan program to see details, ranges, close times, and general requirements.

Short-Term

Bridge Loans

Loan Range
$100K – $25M
Close Time
5–15 business days

Short-term financing used to acquire properties quickly, fund value-add repositioning, or bridge to permanent financing. Underwritten on the property and exit strategy.

General Guidelines
Clear exit strategy required
Property as collateral
12–24 month terms
See Your Options
Why Surge Financial

Why Real Estate Investors Work With Surge

No upfront fees. Asset-based programs that qualify on the property, not your income. An advisor who understands deal structure and moves at the pace your transaction requires.

5–10 Days
Business Days for Hard Money Close
80%
Max LTV on Select Programs
$0
Upfront Fees to Surge
All 50
States Served

Asset-Based Lending

Many programs qualify based on the property's value and deal fundamentals, not personal income documents or employment history.

Fast Close

Hard money and bridge loans can close in as little as 5 to 10 business days when the deal summary is complete and the exit strategy is clear.

Investor Specialist

Our real estate advisors work with investors across every strategy. They understand the deals you bring and evaluate them accordingly.

All 50 States

We finance most residential and commercial property types across all 50 states. If you have a deal, bring it to us.

Property Types

By Property Type

We work with programs covering most residential and commercial property types across all 50 states. Explore financing by investor type, including rental property investors and commercial real estate investors, or by property type such as multifamily properties and ground-up construction loans. For rental investors, use our DSCR loan calculator to see if your rental income qualifies. For Florida rental properties, see our DSCR loans in Florida. For self-employed investors, see our non-QM loan guide. If you have a deal, bring it to us and we will tell you what is available.

Single Family
Multifamily 2–4 Units
Short-Term Rentals
Long-Term Rentals
Fix and Flip
New Construction
Commercial
Mixed-Use
Multifamily 5+ Units
Land
...
$0
Upfront fees to Surge
65–80%
Typical LTV range
5 days
Fastest close time
All 50
States covered

Tell Us About Your Deal

Real estate financing is not one-size-fits-all. Share the details of your transaction and our team will identify the right structure and walk you through your options. No paperwork required to start.

Submit Your Deal →No fees. No commitment.