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Fast & Flexible Capital for Real Estate Investors

Approvals in 24–48 hours.
Close in as little as 10 days with speed and certainty.

Up To 90% LTC

Put less cash down.
Scale faster

24-48h Decisions

Get lending decisions
in 2 days or less

10-Day Closings

Close fast,
with certainty

Nationwide

Nationwide lending
for real estate investors

Our Financing Solutions

Flexible term, fast approvals, nationwide coverge.

High Leverage!

Ground-up Construction

12-24 Months

9.25%*

Starting Rate

Comprehensive financing for Build To Rent and Build For Sale projects.

Max Amount
Up to $10M
Loan To Cost
Up to 90%
Key Features
Fast, streamlined draw process to keep your build on schedule
Lower monthly costs with interest-only payments.
Dedicated support from a partner invested in your success
Learn More
Most Popular!

Fix & Flip

12 Months

8.99%*

Starting Rate

Short -term financing for property acquisition and renovation with lightning-fast closings.

Max Amount
Up to $5M
Loan To Cost
Up to 90%
Key Features
Holdback covers up to 100% of renovation costs
Quick, streamlined draw process to avoid project delays
Lower monthly costs with interest-only payments.
Fast Close!

Bridge

12-18 Months

8.99%*

Starting Rate

Bridge the gap between purchase and permanent financing with flexible terms.

Max Amount
Up to $5M
Loan to Value
Up to 80%
Key Features
Close in as little as 10 business days
Lower monthly costs with interest-only payments
No prepayment penalty - sell anytime without extra fees
Long Term

Rental - DSCR

30 Years

5.99%*

Starting Rate

Debt Service Coverage Ratio loans for income-producing rental properties and portfolios.

Max Amount
Up to $5M
Loan to Value
Up to 80%
Key Features
Debt Service Coverage Ratio as low as 1.00x
30-year fixed or interest-only period options for flexible payments
Prepayment: Step-down schedule or buyout option available
Learn More
* Rates shown are starting rates and are subject to change without notice. Actual rates, terms, and conditions may vary based on borrower qualifications, loan amount, property type, and other factors. All loans are subject to credit approval and applicable underwriting guidelines. This is not a commitment to lend or an offer to extend credit. Additional terms and restrictions may apply.

Why Choose ALMI Lending?

Discover the four core strengths that give our partners the capital, terms, and trust to grow faster. That is what set us apart.

A

Access

Capital Without Delays

L

Leverage

Financing Built For You

M

Maximize

Expand your buying power

I

Impact

Build lasting relationships

Almi Logo

Fast
Closings

Get funding quickly with streamlined approvals and responsive service for every project stage.

Deal-Centric
Terms

Flexible terms and custom solutions designed to maximize your investment potential.

Higher
Leverage

Unlock higher leverage and competitive rates to scale your real estate projects.

Partnership
for growth

Partner with a lender committed to your long-term success and growth.

Ready to Close Your Next Deal?

Decisions in 24-48 hours. Close in as little as 10 days.
No hard credit pull. Competitive rates designed for real estate investors.

No hard credit pull required

Quick answers to your lending questions

Learn about approvals, programs, and timelines

How is ALMI Lending different from traditional banks?
Who can apply for a loan?
How quickly can I get approved?
What types of properties are eligible?
What loan programs do you offer?
What are your typical rates and terms?