Experienced Local Lenders

Experience is everything. Our lenders have an average of 20+ years of experience and collectively have made over $2 billion in real estate loans over the past 20 years.

Relationship Driven

At Spring Garden Lending, building strong and lasting relationships is paramount. We’re committed to partnering with you to grow and sustain your real estate enterprises. We measure our success by your success.

Flexible and Practical Underwriting

We don’t believe one size fits all—we know every real estate deal is unique. That’s why we maintain a flexible and streamlined approach to underwriting that relies on common sense, not arbitrary rules.

Transparent

The terms we offer to you are the same terms we close on.
No “bait and switch” here. 
We offer acquisition, construction, and permanent financing, with speed and flexibility that banks can’t match and at interest rates lower than other private lenders.

LOAN PRODUCTS

Borrower Types

Individuals and entities

Personal Guarantees

Required

Property Types

1–4 family, multi-unit mixed-use, commercial, land

Loan Types

Acquisition, land, construction, refinancing, rehab

Loan Amounts

Up to $6,500,000

Loan To Value

Up to 75% of As Completed Value

Term

Up to 24 months interest only

Underwriting

  • 2 years business history
  • Status: no bankruptcy, tax liens or judgments
  • Debt service coverage ratio 1.2

Borrower Types

Individuals and entities

Personal Guarantees

Required

Property Types

1–4 family, multi-unit mixed-use, commercial, land

Loan Types

Acquisition, land, construction, refinancing, rehab

Loan Amounts

Up to $6,500,000

Loan To Value

Up to 75% of As Completed Value

Term

Up to 24 months interest only

Underwriting

  • 2 years business history
  • Status: no bankruptcy, tax liens or judgments
  • Debt service coverage ratio 1.2

Borrower Types

Real Estate Entities

Personal Guarantees

Required

Property Types

1–4 family, multi-unit, some mixed-use, portfolio

Loan Types

Acquisition, refinance, cash out refinancing

Loan Amounts

$100,000 – $5,000,000

Loan To Value

Up to 80%

Term

30-year amortization, interest only, and balloon products available

Underwriting

  • 2 years business history
  • Status: no bankruptcy, tax liens or judgments
  • Taxes and insurance escrowed for all loans
  • Debt Service: 1.1x – 1.2x depending on product

  • 680 minimum credit score