Loan Products
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Ground up Construction
Ground up Construction
75% permitted (full architectural plans, issued permits)
Maximum total LTC: 80% (subject to 70% ARLTV cap)
Appraisals: Both As-is (land or existing house) and ARV
Experience: Minimum of 3+ completed ground-up projects on title.
We do not finance ground-ups in 2nd home markets
We would need a sketch and preliminary plan and our architect template would need to be filled out and stamped to confirm it complies with existing zoning and does not require a variance
Minimum FICO: 620
Full Recourse (Pledge of Shares)
Rates start at 11.50%

Fix and flip
Fix and flip
Up to 90% of Purchase (depends on experience: 10+ Flips)
100% of Renovations
Limited to 70% of After Repair Value
Rate starts at 11.25% (IO)
Full Recourse (Pledge of Shares)
No Exit Fee or minimum interest

Multi Family Bridge +5
Multi Family Bridge +5
Up to 75% of Purchase
100% of Renovations
Limited to 70% of After Repair Value
Rate starts at 1 Month SOFR + 550 (IO) - Fixed Rate
Full Recourse and Non-Recourse options available
Loan amounts of $1 million up to $5million

SFR Portfolio
SFR Portfolio
Up to 80% on Purchases (depending on loan amount)
Up to 75% on Refinancing (depending on loan amount)
Rates are in the mid 7's – high 8's but depends on LTV, FICO, and location
IO for 5, 7, 10 years
30 Year Fixed Rate also available
Non-recourse with pledge of shares
54321, 32100, 30000, and 10000 prepay available

Revolving line of Credit
Revolving line of Credit
Get between $5,000 and $500,000 funding for your business.
Free To Apply
No Collateral Required
Apply In Under 2 Minutes
Start Up Businesses Funded
No Financials Or Tax Returns
Flexible Payment Options
Equipment Financing
Equipment Financing
No minimum time in business
LOAN AMOUNTS : $10,000-$5 MILLION
TERMS : 1-5 YEARS
FUNDING: 1-5 DAYS
580+ FICO Score
A solution to your financial needs
Future Lending has the resources for all your financial needs

About becoming broker
Becoming a broker for Future lending offers several compelling reasons. First and foremost, independence is a significant benefit. As a broker, you operate autonomously, making decisions about financial trades and agreements. Clients seek experienced brokers to manage their sales, purchases, and loan acquisitions, allowing you to build your own client base and reputation. Second, there’s flexibility: you can create your work-life balance, fitting your lifestyle and preferences. Third, the potential for earnings is substantial. Successful brokers can easily earn six figures annually. Additionally, you play a crucial role in strengthening the community economy by helping businesses acquire the financing they need for growth—whether it’s hiring employees, expanding, or exploring new opportunities. So, if you’re drawn to financial markets, enjoy autonomy, and want to make a positive impact, becoming a broker could be an exciting path to explore!

Think long-term
We stive to achieve financial stability and sustainable growth, prioritizing transparency and accountability, maintaining a customer-centric approach, adhering to regulations, investing in talent development, demonstrating social responsibility, and balancing innovation with integrity. By combining these principles, finance companies can build a solid foundation for lasting success while positively impacting their clients and communities.