An AI-Enhanced private lender for real estate investors. DSCR, Fix & Flip, and New Construction loans — underwritten faster and priced sharper because our technology does the heavy lifting, so our team can focus on getting your deal closed.
Fastest funding on record
Average close, all programs
Flips completed by our founders
Of borrowers come back for another deal
SLA Capital funds DSCR, Fix & Flip, and New Construction loans across most of the continental US. Check the map — if your state is orange, we can quote your deal.
Real rates, real leverage, real terms. Pick your program and get a quote same day.
Long-term rental financing qualified off the property's income — not your personal DTI. Single-asset SFRs and portfolios of 2–10 properties on one loan.
Purchase + rehab financing sized off ARV. Fast close, high leverage. Made by flippers, for flippers — draws that don't fight you.
Land acquisition, vertical construction, and interest reserve on a single loan. Draws structured to keep your build on schedule.
Not sure which program fits your deal? Submit a quick application and a loan officer will match you the same day.
Our platform pre-underwrites, prices, and pre-qualifies your deal in the time it takes most lenders to open your file. Same paperwork, a fraction of the wait.
Enter the property and the deal shape — our AI-enhanced sizer prices your loan, computes leverage, and returns a real term sheet in minutes. No back-and-forth to figure out if the deal even fits.
Every application flows through our AI-enhanced underwriting engine that flags issues on day one, not day fourteen. Missing documents surface immediately so you close on schedule — not on someone else's queue.
Photo uploads, inspections, and draw approvals run through the same platform. Requests get processed faster because the system already knows your project — no re-explaining every step.
Our AI-enhanced engine pre-qualifies, sizes, and flags the file in minutes. A founder-level underwriter — someone who's actually closed the deal you're trying to fund — signs off. Speed of software, judgment of an investor.
Institutional lenders take 3+ weeks. We average 10 days, and Fix & Flip loans can fund in 72 hours when the file is clean. Technology handles the paperwork so people can handle the deal.
The rate you're quoted is the rate you close at. We don't shift terms at the closing table because the market moved 5 bps.
Simple draw process built for real construction timelines. Same-day approvals when photos and receipts are in. No games.
Roll 2–10 rentals into one DSCR loan. Ground-up multi-unit builds on one construction line. Built for investors who are actually building a book.
Lending in 42 states with the same terms and the same team. Move markets without changing lenders.
"SLA has become my go-to lender after all kinds of headache with Kiavi and some of the other lenders out there."
"Since we do some larger renovations we always had struggles finding lenders that made the draw process easy."
"A lot of lenders blow smoke and delay things — so I'm sending people to SLA all the time."
SLA Capital — Sir Lends A Lot LLC — is a nationwide non-QM lender headquartered by real estate investors, for real estate investors. Our founders have closed 500+ flips of their own. That experience shapes every credit decision, every draw, every close. When you talk to SLA, you're talking to someone who's actually done the deal you're trying to fund.
Fix & Flip loans can close in as little as 72 hours. Our average close across all programs is 10 days, versus 3+ weeks at most institutional lenders.
SLA Capital funds investor loans in 42 states across the United States.
We offer DSCR rental loans (30-year fixed, rates from 5.75%), Fix & Flip bridge loans (rates from 9.5–12%, up to 100% financing for premier borrowers), and New Construction loans (rates from 10%, up to 85% of total project costs).
Yes. All SLA Capital loans are made to business entities — LLCs, corporations, and partnerships. Most of our borrowers close in an LLC for asset protection.
A DSCR loan is long-term rental financing (typically 30-year fixed) qualified off the property's rental income. A Fix & Flip loan is short-term bridge financing sized off the after-repair value (ARV) — used to purchase and rehab a property before selling or refinancing.
Yes. Fix & Flip loans finance up to 100% of rehab costs, disbursed via draws as work is completed. New Construction loans also include interest-reserve budgeting and vertical construction draws.
Send us the deal. One of our loan officers gets back to you the same business day — because we're a decision-maker, not a middleman.