For Mortgage Professionals
Don't Lose the Deal. Send Us What Your Lender Can't Close.
Self-employed borrowers, credit challenges, tight timelines, fix & flip investors — when your conventional lender declines or can't hit the deadline, we fund in as few as 7 days. Your client stays in your pipeline for the conventional refi.
We're a direct private lender. No committees. No overlays. Asset-based underwriting that says yes when the property and exit strategy support the deal.
Pipeline Solutions
Deals We Fund That Your Lender Can't
These are the scenarios mortgage brokers and loan officers send us every week — and we close them.
Declined Conventional Applications
Your borrower has a strong asset position but the DTI, credit history, or documentation doesn't meet conventional guidelines. Don't lose the client — send them to us. We underwrite the property and deal structure, not the tax return.
Self-Employed & Bank Statement
Business owners with strong cash flow but tax returns that show minimal income. We offer bank statement programs and simplified underwriting — no tax returns required. Your client gets funded, you preserve the relationship for their next conventional deal.
Credit Challenges
Recent bankruptcy, foreclosure, short sale, or credit events that disqualify your borrower from conventional programs. If the property supports the loan and the exit strategy is sound, we fund. No minimum credit score.
Time-Sensitive Closings
Your borrower needs to close in 7–10 days and the conventional lender needs 30–45. Whether it's a competitive offer, a 1031 deadline, or a foreclosure sale date, we match the timeline. Complete applications fund in as few as 7 days.
Fix & Flip Investors
Your investor clients need short-term acquisition and rehab capital with structured draws. Fix & flip is our core competency — up to 75% ARV, rates from 9.99%, with fast draws and no prepayment penalties.
Bridge to Conventional
Client needs time to stabilize — season a property, build credit, complete renovations, or establish income history. We provide 6–24 month bridge financing so you can place them conventionally when they're ready.
Quick Reference
What We Fund
Overview of programs your clients may qualify for.
Loan Range
$50K – $5M
Rates From
8.50%
Max LTV
75% ARV
Close In
7 Days
Partnership
How the Relationship Works
We exist to complement your business — not compete with it.
We're Your Partner, Not Your Competitor
CDF is a bridge and short-term lender. Your client's exit strategy is typically a conventional refinance — back to you. We're a pipeline tool that helps you close more total transactions, not fewer.
Fast, Reliable Answers
Call Francisco with a scenario. You'll get a verbal response the same day — can we do this deal, at what terms, and how fast. No 3-week underwriting just to find out.
Your Client, Your Relationship
We don't market to your referrals, we don't solicit them for future loans, and we don't try to convert them to other products. When the bridge loan matures, your client comes back to you.
Co-Branded Communication
We keep you in the loop at every stage — application, appraisal, approval, docs, funding. You stay informed so you can manage your client's expectations and plan the conventional refi.
No Minimum Volume
Whether you send us one deal a year or one a week, you get the same direct access and service quality. No tiers, no volume requirements, no hoops.
Clean, Documented Closings
Licensed escrow, title insurance, independent appraisals, proper documentation on every transaction. We close deals that hold up to regulatory scrutiny — because our DRE and NMLS licenses depend on it.
Submit a Scenario — Same-Day Response
Call Francisco with your borrower's situation. You'll get a verbal answer the same day — can we fund it, at what terms, and how fast.