Real Estate Lending Programs For Special Situations
... and get a term sheet in as little as 48 hours!
SPEED
Closings in as little as 5 business days after clear title
FLEXIBILITY
Our hands-on experts deliver agile, common-sense underwriting—not dictated by algorithms
TRUST
Communicate directly with our team's experienced decision makers
Speed, Flexibility, and a Team You Can Trust
Our team delivers rapid, adaptable solutions with unmatched reliability, ensuring you can trust us to meet your needs efficiently and effectively in any situation. We prioritize exceptional service and satisfaction, providing solutions that are both timely and dependable.
Lending Criteria
At Spectra Lending, we offer customized loans from $750,000 to $10 million for diverse commercial real estate, excluding office buildings. We specialize in bridge loans, acquisitions, refinancing, and special situations. Our common-sense underwriting prioritizes speed, adaptability, and real-world potential—without using algorithms or FICO scores. Expect fast closings and a partnership that values your vision.
Loan Amounts of $750K-$10M
Office Space Not Eligible for Our Program
Asset held in an LLC or Corp entity
Non-owner occupied business purpose loans only
US, USVI, & Puerto Rico Eligible
Short-Term Capital Solutions for
Commercial Real Estate Projects
Commercial Real Estate Projects
Spectra Lending stands out as a dedicated lender within the commercial real estate market, with a focus on delivering financial solutions and capital for commercial real estate, designed to meet the needs of borrowers who are navigating through particularly challenging and complex financial situations
Is This You?
ARE YOU IN A DISTRESSED LOAN SITUATION?
HAVE YOU BEEN TURNED DOWN BY TRADITIONAL FINANCING?
ARE YOU SHORT ON TIME TO CLOSE?
Steps of How To Apply Process
Submit Pre-Qual
Fill out the form below to get started. We'll be in touch with you shortly!
Complete Quick Application Form
Fill out this quick application form, and we'll contact you shortly.
Schedule Call with Loan Origination Team
Schedule a call with our loan origination team for personalized assistance.
Complete Financing
Complete your financing with our straightforward and efficient application process.
Example Projects
See the real-world impact of our private investment property loans.
Loan Amount
$3.4M
Location
Rockaway, NJ
Closing Time
9 Days
Loan Type
Construction Loan
Loan Amount
$5M
Location
Greenwood, IN
Closing Time
9 Days
Loan Type
Commercial Retail
Where We Operate
We offer private real estate lending solutions solutions in the United States, Puerto Rico, and the U.S. Virgin Islands. Solutions are available in all U.S. states except AR, AZ, CA, FL, TN, TX, MI, MN, MT, ND, NV, OH, OR, SD and VT.
Leadership
