Business-Purpose Financing
Loans are for business purposes and secured by non-owner-occupied real estate.
Lending Guidelines
Flexible financing built around the transaction.
Safe Harbor Funding provides direct, business-purpose real estate financing throughout New England. Every opportunity is evaluated individually based on the collateral, borrower, proposed use of funds, and exit strategy.
$100K–$3M
General Loan Range
12–18 Months
Typical Initial Term
24–48 Hours
Typical Initial Feedback
7–14 Days
Potential Closing Timeline
Who We Work With
Broad eligibility with a practical review.
Our guidelines are intentionally flexible. Borrowers and brokers are encouraged to submit opportunities for direct review rather than trying to fit every transaction into a rigid lending box.
Individuals and Entities
Qualified individuals and business entities may be considered. Personal guarantees are generally required.
First-Time and Experienced Investors
We consider both first-time and experienced real estate investors based on the strength of the overall transaction.
New England Properties
SHF lends throughout New England and may work with borrowers located inside or outside the region.
Financing Programs
Capital for a wide range of real estate opportunities.
We consider residential investment, multifamily, mixed-use, commercial, development, construction, vacant land, and other investment real estate.
Bridge Loans
Short-term financing for acquisitions, transitional assets, time-sensitive opportunities, and situations requiring speed or flexibility.
Fix & Flip Financing
Purchase and renovation financing for residential investment properties and other value-add opportunities.
Ground-Up Construction
Financing for new construction projects, including eligible acquisition and construction costs within one loan structure.
Renovation & Rehabilitation
Capital for substantial renovation, redevelopment, repositioning, and major property improvements.
Acquisition & Cash-Out
Financing for investment-property purchases and real estate-secured cash-out transactions for approved business purposes.
Cross-Collateralized Financing
More than one property may be pledged when it supports the requested loan and overall transaction structure.
Loan Structure
Terms shaped by the deal.
Loan amounts, rates, origination points, borrower equity, and other terms are determined individually. The advertised $100,000 to $3,000,000 range is a general guideline—not a strict minimum or maximum.
Typical Term
Initial terms are generally 12 to 18 months, with extension options potentially available.
Monthly Payments
Interest is generally paid monthly through ACH.
Construction Interest Reserves
Interest reserves may be available for eligible construction transactions.
Repeat Relationships
Successful repeat borrowers may qualify for more favorable terms and a more streamlined review process.
How We Evaluate a Deal
Collateral-focused underwriting.
SHF reviews the transaction as a whole. Credit is considered, but it does not independently determine whether a loan fits.
01
Property & Collateral
The property, current value, proposed improvements, and overall collateral position.
02
Borrower Equity
The borrower’s investment and alignment with the proposed transaction.
03
Experience & Track Record
Relevant ownership, construction, renovation, development, or investment experience.
04
Exit Strategy
A practical path to sale, refinance, stabilization, or other repayment of the loan.
Prior bankruptcies, foreclosures, tax liens, or other credit events are evaluated individually rather than treated as automatic disqualifiers.
Initial Review & Closing
Clear feedback without unnecessary delay.
After receiving sufficient transaction information, SHF generally provides initial feedback within 24 to 48 hours and preliminary terms within two business days.
1
Submit the Opportunity
Provide the key property, financing, borrower, and timing details.
2
Direct Review
Our decision-makers evaluate the collateral, borrower, structure, and exit strategy.
3
Preliminary Terms
When the transaction fits, SHF outlines proposed terms and the documentation needed to proceed.
4
Closing
Some transactions may close within 7 to 14 days when title, documentation, and closing conditions are ready.
Construction Draws
Direct review as work is completed.
Ground-up construction and renovation proceeds are generally advanced through reimbursement draws based on completed work. SHF directly reviews or inspects completed work before approved construction proceeds are released.
Depending on the transaction, approved funds may be disbursed to the borrower or paid directly to contractors or vendors. Properly documented draw requests are generally processed within one to three business days.
A typical draw request may include:
- Requested draw amount
- Budget-line itemization
- Description of completed work
- Contractor or vendor invoices
- Proof of payment
- Lien waivers, updated budgets, or change orders when applicable
Important notice: These lending guidelines are provided for general informational purposes only. Every transaction is evaluated individually. Loan availability, leverage, rates, fees, collateral requirements, and closing conditions are subject to underwriting, documentation, and final approval by Safe Harbor Funding LLC. Nothing on this page constitutes an offer or commitment to lend.
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